Climate Risk Atlas/VA/Greenbush/23357

Greenbush, VA (23357) Hurricane & Climate Risk Profile

The primary drivers of climate-related financial risk in Greenbush, VA (23357) are Hurricane, Inland Flooding, and Coastal Flooding. This area also faces an unusually high intensity for Drought and Wildfire 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 23357

FEMA Flood Maps for 23357 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
$111,747
Annualized Property Exposure

Primary Risks

Hurricane

$260,302

Expected Annual Loss for Zip Code 23357

93.3Score

Relatively High compared to US average

Inland Flooding

$111,747

Expected Annual Loss for Zip Code 23357

23.4Score

Relatively Low compared to US average

Coastal Flooding

$26,499

Expected Annual Loss for Zip Code 23357

94.3Score

Relatively Moderate compared to US average

Financial Risk Inventory

MAJOR DRIVER
Hurricane
$260,302
Score: 93.3
MAJOR DRIVER
Inland Flooding
$111,747
Score: 23.4
MAJOR DRIVER
Coastal Flooding
$26,499
Score: 94.3
Cold Wave
$21,341
Score: 56.1
Earthquake
$8,551
Score: 46.5
Heat Wave
$7,965
Score: 34.4
Strong Wind
$7,590
Score: 58.8
Tornado
$4,931
Score: 27.8
UNUSUALLY HIGH
Drought
$3,645
Score: 88.3
UNUSUALLY HIGH
Wildfire
$3,155
Score: 83.5
Hail
$1,484
Score: 42.1
Ice Storm
$1,385
Score: 46.0
Lightning
$1,343
Score: 23.7
Winter Weather
$457
Score: 37.3
Landslide
$0
Score: 35.2

Recommended Mitigation Strategies

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

🌀High Investment

Hurricane Mitigation

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

Risk Score: 93.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 23.4
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 83.5

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 23417