Climate Risk Summary

Zip Code 98233, Risk Profile

The primary drivers of climate-related financial risk in Burlington, WA (98233) are Inland Flooding, Earthquake, and Volcanic Activity. This area also faces an unusually high intensity for Ice Storm compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$5,467,730

Expected Annual Loss for Zip Code 98233

84.1Score

Very High compared to US average

98233
Minimal Estimated LossMax Estimated Loss

Earthquake

$5,274,749

Expected Annual Loss for Zip Code 98233

91.9Score

Very High compared to US average

98233
Minimal Estimated LossMax Estimated Loss

Volcanic Activity

$1,232,026

Expected Annual Loss for Zip Code 98233

99.5Score

Very High compared to US average

98233 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$5,467,730
Score: 84.1
MAJOR DRIVER
Earthquake
$5,274,749
Score: 91.9
MAJOR DRIVER
Volcanic Activity
$1,232,026
Score: 99.5
Coastal Flooding
$372,671
Score: 23.3
UNUSUALLY HIGH
Ice Storm
$197,032
Score: 93.5
Heat Wave
$118,290
Score: 42.6
Cold Wave
$98,469
Score: 35.4
Lightning
$35,701
Score: 43.8
Winter Weather
$14,546
Score: 59.2
Tornado
$11,255
Score: 7.2
Wildfire
$3,443
Score: 60.6
Hail
$1,498
Score: 10.4
Strong Wind
$742
Score: 2.8
Landslide
$440
Score: 52.8
Drought
$57
Score: 53.5

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 84.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.9
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 93.5

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 98232Zip Code 98273Zip Code 98284Zip Code 98274Zip Code 98229Zip Code 98235