Climate Risk Atlas/AK/Unincorporated/99740

Unincorporated, AK (99740) Cold Wave & Climate Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, AK (99740) are Cold Wave, Avalanche, and Wildfire. This area also faces an unusually high intensity for Winter Weather 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.

Zip Code Risk Map

Flood Plain Analysis

Localized Flood Dynamics in 99740

FEMA Flood Maps for 99740 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Very Low
Relative Vulnerability
$44,664
Annualized Property Exposure

Primary Risks

Cold Wave

$1,466,744

Expected Annual Loss for Zip Code 99740

100.0Score

Very High compared to US average

Avalanche

$201,195

Expected Annual Loss for Zip Code 99740

79.5Score

Relatively Low compared to US average

Wildfire

$121,878

Expected Annual Loss for Zip Code 99740

98.0Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$1,466,744
Score: 100.0
MAJOR DRIVER
Avalanche
$201,195
Score: 79.5
MAJOR DRIVER
Wildfire
$121,878
Score: 98.0
Inland Flooding
$44,664
Score: 6.7
Earthquake
$27,512
Score: 74.5
UNUSUALLY HIGH
Winter Weather
$11,215
Score: 97.9
UNUSUALLY HIGH
Landslide
$2,960
Score: 98.0
Lightning
$2,516
Score: 45.5
Ice Storm
$800
Score: 38.6
Strong Wind
$10
Score: 0.5
Tornado
$0
Score: 0.2
Volcanic Activity
$0
Score: 40.4

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 100.0
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.0

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations