Climate Risk Summary

Zip Code 99146, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, WA (99146) are Wildfire, Inland Flooding, and Cold Wave. This area also faces an unusually high intensity for Landslide and Volcanic Activity 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

Wildfire

$2,006,406

Expected Annual Loss for Zip Code 99146

99.7Score

Very High compared to US average

99146 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,420,996

Expected Annual Loss for Zip Code 99146

93.3Score

Relatively High compared to US average

99146

Minimal Estimated LossMax Estimated Loss

Cold Wave

$190,782

Expected Annual Loss for Zip Code 99146

86.8Score

Relatively High compared to US average

99146

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Wildfire

$2,006,406

Score: 99.7

MAJOR DRIVER

Inland Flooding

$1,420,996

Score: 93.3

MAJOR DRIVER

Cold Wave

$190,782

Score: 86.8

Earthquake

$52,316

Score: 67.5

UNUSUALLY HIGH

Landslide

$36,788

Score: 99.3

Heat Wave

$34,447

Score: 55.4

Lightning

$8,779

Score: 49.7

Strong Wind

$6,714

Score: 33.4

Winter Weather

$4,549

Score: 70.2

Tornado

$1,806

Score: 5.5

Hail

$1,017

Score: 25.1

Ice Storm

$627

Score: 10.1

Avalanche

$103

Score: 19.0

UNUSUALLY HIGH

Volcanic Activity

Score: 82.7

Drought

Score: 66.9

Recommended Mitigation Strategies

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

🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 99.7

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 93.3

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.8

⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.3

🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.7

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 99160 Zip Code 99141 Zip Code 99121 Zip Code 99118 Zip Code 99166 Zip Code 99150