Climate Risk for Zip Code 22134

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 22134 are Inland Flooding, Hurricane, and Tornado.

Data SourceFEMA National Risk Index (December 2025 Update)

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

$441,984

Expected Annual Loss for Zip Code 22134

3.8Score

Very Low compared to US average

Hurricane

$88,974

Expected Annual Loss for Zip Code 22134

59.1Score

Relatively Low compared to US average

Tornado

$78,534

Expected Annual Loss for Zip Code 22134

32.4Score

Very Low compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$441,984
Score: 3.8
MAJOR DRIVER
Hurricane
$88,974
Score: 59.1
MAJOR DRIVER
Tornado
$78,534
Score: 32.4
Heat Wave
$77,169
Score: 31.7
Earthquake
$61,815
Score: 35.6
Strong Wind
$53,915
Score: 44.6
Lightning
$24,699
Score: 35.8
Hail
$22,952
Score: 47.1
Winter Weather
$7,269
Score: 45.0
Cold Wave
$5,593
Score: 17.4
Coastal Flooding
$3,734
Score: 73.7
Ice Storm
$3,603
Score: 12.8
Drought
$3,460
Score: 52.1
Wildfire
$221
Score: 33.5
Landslide
$184
Score: 75.6

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: 3.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 59.1
🌪️High Investment

Tornado Mitigation

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

Risk Score: 32.4

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 22172Zip Code 22554Zip Code 22556Zip Code 22025Zip Code 20112Zip Code 20181
22134 Climate Risk Report | Financial & Hazard Analysis