Climate Risk Atlas/MS/Richton/39476

Richton, MS (39476) Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Richton, MS (39476) are Inland Flooding, Hurricane, and Tornado. This area also faces an unusually high intensity for Strong Wind, Wildfire, Lightning, Hail, Drought, and Landslide compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $2,049, with a local policy non-renewal rate of 1.6%.

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 39476

FEMA Flood Maps for 39476 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
Relatively Moderate
Relative Vulnerability
$1,407,668
Annualized Property Exposure

Primary Risks

Inland Flooding

$1,407,668

Expected Annual Loss for Zip Code 39476

65.9Score

Relatively Moderate compared to US average

Hurricane

$1,302,703

Expected Annual Loss for Zip Code 39476

92.8Score

Relatively High compared to US average

Tornado

$628,265

Expected Annual Loss for Zip Code 39476

89.2Score

Relatively High compared to US average

Insurance Market Stability

Avg. Annual Premium (2022)

$2,049
Latest Market Rate

Year-over-Year Change

-0.9%
2021 → 2022

Market Retreat (Non-Renewals)

1.65%

Higher rates indicate insurers are actively reducing exposure to ZIP 39476 due to climate-linked risk.

Underwriting Stress (Loss Ratio)

57.0%

A ratio over 70% suggests insurers are paying out nearly all premiums as claims, forcing future price hikes.

Historical Market Trends

Toggle series below to compare costs vs. market stress indicators

Historical Trends & Forecasting

Compare premium costs against underlying risk factors.

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,407,668
Score: 65.9
MAJOR DRIVER
Hurricane
$1,302,703
Score: 92.8
MAJOR DRIVER
Tornado
$628,265
Score: 89.2
UNUSUALLY HIGH
Strong Wind
$139,905
Score: 87.7
Heat Wave
$133,869
Score: 72.5
Cold Wave
$113,268
Score: 55.3
UNUSUALLY HIGH
Wildfire
$88,320
Score: 92.1
UNUSUALLY HIGH
Lightning
$83,623
Score: 91.1
UNUSUALLY HIGH
Hail
$73,476
Score: 80.7
Earthquake
$62,112
Score: 54.5
UNUSUALLY HIGH
Drought
$24,097
Score: 85.8
Ice Storm
$11,881
Score: 60.1
Winter Weather
$6,731
Score: 60.2
UNUSUALLY HIGH
Landslide
$222
Score: 80.8

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: 65.9
🌀High Investment

Hurricane Mitigation

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

Risk Score: 92.8
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 89.2
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 87.7
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 92.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 80.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 80.8

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

Zip Code 39367Zip Code 39423Zip Code 39462