Climate Risk Summary

Zip Code 25405, Risk Profile

The primary drivers of climate-related financial risk in Martinsburg, WV (25405) are Inland Flooding, Hurricane, and Strong Wind.

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

$2,331,665

Expected Annual Loss for Zip Code 25405

61.6Score

Relatively Moderate compared to US average

25405
Minimal Estimated LossMax Estimated Loss

Hurricane

$344,423

Expected Annual Loss for Zip Code 25405

78.1Score

Relatively Moderate compared to US average

25405
Minimal Estimated LossMax Estimated Loss

Strong Wind

$253,638

Expected Annual Loss for Zip Code 25405

87.3Score

Relatively High compared to US average

25405
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
$2,331,665
Score: 61.6
MAJOR DRIVER
Hurricane
$344,423
Score: 78.1
MAJOR DRIVER
Strong Wind
$253,638
Score: 87.3
Tornado
$158,309
Score: 45.8
Heat Wave
$154,259
Score: 57.7
Earthquake
$115,483
Score: 53.7
Hail
$73,585
Score: 71.3
Lightning
$48,217
Score: 58.8
Drought
$27,394
Score: 67.3
Winter Weather
$21,238
Score: 72.9
Cold Wave
$18,356
Score: 21.4
Ice Storm
$6,481
Score: 27.8
Wildfire
$2,858
Score: 59.9
Landslide
$238
Score: 76.9

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: 61.6
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 78.1
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 87.3

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 25430Zip Code 25401Zip Code 25403Zip Code 25428Zip Code 25404Zip Code 25413