Climate Risk for Zip Code 24019

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 24019 are Inland Flooding, Strong Wind, and Cold Wave.

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

$3,780,038

Expected Annual Loss for Zip Code 24019

55.3Score

Relatively Moderate compared to US average

Strong Wind

$437,743

Expected Annual Loss for Zip Code 24019

86.9Score

Relatively High compared to US average

Cold Wave

$267,105

Expected Annual Loss for Zip Code 24019

48.2Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$3,780,038

Score: 55.3

MAJOR DRIVER

Strong Wind

$437,743

Score: 86.9

MAJOR DRIVER

Cold Wave

$267,105

Score: 48.2

Hurricane

$183,215

Score: 62.2

Earthquake

$180,682

Score: 48.1

Lightning

$152,343

Score: 76.9

Tornado

$117,496

Score: 32.0

Hail

$46,068

Score: 52.5

Winter Weather

$33,288

Score: 69.7

Heat Wave

$26,411

Score: 5.9

Ice Storm

$9,663

Score: 23.4

Wildfire

$726

Score: 39.7

Landslide

$567

Score: 72.2

Drought

$107

Score: 10.6

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: 55.3

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 86.9

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 48.2

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 24012 Zip Code 24020 Zip Code 24083 Zip Code 24175 Zip Code 24017 Zip Code 24077