Climate Risk Atlas/NV/Unincorporated/89414

Unincorporated, NV (89414) Wildfire & Climate Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NV (89414) are Wildfire, Inland Flooding, and Drought. This area also faces an unusually high intensity for Earthquake and Winter Weather 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 89414

FEMA Flood Maps for 89414 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 Low
Relative Vulnerability
$239,459
Annualized Property Exposure

Primary Risks

Wildfire

$1,297,347

Expected Annual Loss for Zip Code 89414

99.6Score

Very High compared to US average

Inland Flooding

$239,459

Expected Annual Loss for Zip Code 89414

34.4Score

Relatively Low compared to US average

Drought

$168,868

Expected Annual Loss for Zip Code 89414

98.0Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$1,297,347
Score: 99.6
MAJOR DRIVER
Inland Flooding
$239,459
Score: 34.4
MAJOR DRIVER
Drought
$168,868
Score: 98.0
UNUSUALLY HIGH
Earthquake
$143,433
Score: 82.1
Avalanche
$24,560
Score: 70.5
Heat Wave
$18,897
Score: 46.0
UNUSUALLY HIGH
Winter Weather
$11,255
Score: 92.8
Lightning
$3,500
Score: 33.6
Cold Wave
$2,526
Score: 20.3
Strong Wind
$1,320
Score: 15.1
Tornado
$373
Score: 2.3
Hail
$361
Score: 16.8
Landslide
$3
Score: 55.2
Volcanic Activity
$0
Score: 45.7

Recommended Mitigation Strategies

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

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.6
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 34.4
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.8

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 89820Zip Code 89445