Climate Risk for Zip Code 24541

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 24541 are Inland Flooding, Tornado, and Hurricane.

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

$10,415,519

Expected Annual Loss for Zip Code 24541

78.0Score

Very High compared to US average

Tornado

$758,183

Expected Annual Loss for Zip Code 24541

56.0Score

Relatively Moderate compared to US average

Hurricane

$572,542

Expected Annual Loss for Zip Code 24541

72.2Score

Relatively Moderate compared to US average

Zip Code Risk Map

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Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$10,415,519
Score: 78.0
MAJOR DRIVER
Tornado
$758,183
Score: 56.0
MAJOR DRIVER
Hurricane
$572,542
Score: 72.2
Earthquake
$276,145
Score: 50.1
Strong Wind
$194,791
Score: 58.6
Cold Wave
$190,811
Score: 33.4
Heat Wave
$164,407
Score: 28.6
Hail
$132,309
Score: 64.2
Lightning
$104,175
Score: 52.2
Ice Storm
$76,620
Score: 65.7
Winter Weather
$47,720
Score: 68.8
Drought
$12,777
Score: 13.6
Wildfire
$2,757
Score: 51.5
Landslide
$461
Score: 65.7

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: 78.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 56.0
🌀High Investment

Hurricane Mitigation

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

Risk Score: 72.2

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 24540Zip Code 24069Zip Code 27311Zip Code 27326Zip Code 24549Zip Code 27315
24541 Climate Risk Report | Financial & Hazard Analysis