Climate Risk Summary

Zip Code 25008, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, WV (25008) are Inland Flooding, Cold Wave, and Strong Wind. This area also faces an unusually high intensity for Lightning, Wildfire, and Landslide 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

$961,324

Expected Annual Loss for Zip Code 25008

99.5Score

Very High compared to US average

25008 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Cold Wave

$9,110

Expected Annual Loss for Zip Code 25008

46.8Score

Relatively Low compared to US average

25008
Minimal Estimated LossMax Estimated Loss

Strong Wind

$7,900

Expected Annual Loss for Zip Code 25008

73.1Score

Relatively Moderate compared to US average

25008
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
$961,324
Score: 99.5
MAJOR DRIVER
Cold Wave
$9,110
Score: 46.8
MAJOR DRIVER
Strong Wind
$7,900
Score: 73.1
UNUSUALLY HIGH
Lightning
$7,778
Score: 86.5
UNUSUALLY HIGH
Wildfire
$6,969
Score: 90.5
UNUSUALLY HIGH
Landslide
$6,383
Score: 99.0
Earthquake
$3,506
Score: 37.8
Avalanche
$3,138
Score: 67.8
Hail
$2,094
Score: 56.9
Winter Weather
$1,858
Score: 79.9
Tornado
$1,706
Score: 20.1
Hurricane
$1,557
Score: 50.4
Ice Storm
$1,077
Score: 52.5
Heat Wave
$496
Score: 3.4

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: 99.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 46.8
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 73.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 90.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.0

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 25801Zip Code 25044Zip Code 25083Zip Code 25075Zip Code 25917Zip Code 25048