Climate Risk Summary

Zip Code 26321, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, WV (26321) are Inland Flooding, Cold Wave, and Lightning. This area also faces an unusually high intensity for 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

$505,584

Expected Annual Loss for Zip Code 26321

90.7Score

Relatively High compared to US average

26321
Minimal Estimated LossMax Estimated Loss

Cold Wave

$21,208

Expected Annual Loss for Zip Code 26321

57.5Score

Relatively Moderate compared to US average

26321
Minimal Estimated LossMax Estimated Loss

Lightning

$7,929

Expected Annual Loss for Zip Code 26321

75.4Score

Relatively Moderate compared to US average

26321
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
$505,584
Score: 90.7
MAJOR DRIVER
Cold Wave
$21,208
Score: 57.5
MAJOR DRIVER
Lightning
$7,929
Score: 75.4
Hail
$5,478
Score: 66.8
Strong Wind
$5,099
Score: 49.3
Tornado
$4,139
Score: 26.4
UNUSUALLY HIGH
Landslide
$3,887
Score: 98.0
Hurricane
$3,701
Score: 53.3
Heat Wave
$2,774
Score: 11.5
Earthquake
$1,609
Score: 18.5
Winter Weather
$1,195
Score: 59.4
Wildfire
$170
Score: 60.7
Ice Storm
$100
Score: 3.5

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: 90.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 57.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.0

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 26338Zip Code 26443Zip Code 26384Zip Code 26452Zip Code 26411Zip Code 26342