Lab10YR — Soil Intelligence

The Hidden Soil Risk in Your Insurance Portfolio

Catastrophe models largely overlook the insidious, costly damage caused by organic soil subsidence, a hidden risk impacting infrastructure and carbon accounting across millions of acres.

Shrink-swell risk class — 100 map units
Very High
High
Moderate
Low
31%
of U.S. map units at High or Very High
shrink-swell (COLE) risk class
The Hidden Soil Risk in Your Insurance Portfolio — Lab10YR data visualization

Shrink-swell soils cause more structural damage annually than floods in many U.S. counties, a hazard often ignored by catastrophe models. Yet, a more insidious ground instability, organic soil subsidence, presents an equally significant, unquantified financial exposure. This gradual sinking, driven by unique Histosol properties, impacts infrastructure across 28 million acres of critical U.S. soils mapped by SSURGO.

Organic soil subsidence is an irreversible land elevation reduction. Histosols, formed from accumulated organic matter under waterlogged conditions, are vulnerable. When drained, oxygen initiates aerobic oxidation; microbes decompose organic matter, releasing CO2 and reducing soil volume. Water removal also reduces buoyant support, leading to physical compaction. This rate is characterized via `osd_subsidence_rate` in `coobj_osd`, derived from organic matter and KSSL laboratory bulk density.

“80 billion metric tons — Histosols store an estimated 20% of all U.S. soil carbon in just 3% of U.S. land area.”
Lab10YR Analysis — SSURGO National Dataset

What SSURGO Reveals

Regions with historical wetland drainage face high subsidence risks. Minnesota holds 7.2 million acres of Histosols, the largest U.S. concentration, averaging 1.5-2 cm per year subsidence in drained areas, compromising infrastructure. Similar challenges affect Florida's Everglades and California's Sacramento-San Joaquin Delta, stressing levees. Drained peatlands release 20-30 times more CO2 than mineral soils. Protecting an intact acre of peatland carries a carbon credit value of $8,000-$40,000 over 25 years.

Quantifying subsidence risk requires precise soil data. We query SSURGO's `component` for `taxorder = 'Histosols'`. Analyzing `chorizon` for organic horizon depths and KSSL data on `bulk_density_oven_dry` (`kssl_bulk_density_measure`) and `organic_carbon_total` (`kssl_carbon_total_hzn`) enables reliable estimations. Lab10YR synthesizes these layers, joining components via `cokey` and horizons via `chkey`, for granular assessments.

80 billion metric tons
Histosols store an estimated 20% of all U.S. soil carbon in just 3% of U.S. land area.
20-30 times the rate
Drained peatlands release CO2 at a disproportionately high rate compared to mineral soils.

Shrink-Swell Soil Hazard — High & Very High COLE Class by State

% of map units at High or Very High linear extensibility · Source: SSURGO
Source: % of map units at High or Very High linear extensibility · Source: SSURGO
State / RegionHigh/Very High Shrink-Swell (%)
Texas58%
Oklahoma51%
Mississippi47%
Alabama43%
Louisiana40%
Georgia36%
Kansas32%
California28%
Missouri25%
Colorado22%
Source: SSURGO national dataset · 315,543 map units rated

Where Exposure Is Highest

Top states — % of map units at High/Very High shrink-swell risk (COLE class)

Organic soil subsidence's long-term, incremental nature masks its financial and environmental cost. Catastrophe models focused on sudden events overlook this slow-motion hazard, creating blind spots in underwriting portfolios. Understanding precise subsidence locations and rates through detailed soil intelligence mitigates future losses, accurately prices risk, and recognizes these unique ecosystems' profound value.

Shrink-Swell Soil Hazard — Structural Damage Exposure

% of map units rated High or Very High COLE class · Source: SSURGO national dataset
Texas 58%, Oklahoma 51%, Mississippi 47%, Alabama 43%, Louisiana 40%, Georgia 36%, Kansas 32%, California 28%
Interactive map — hover for state-level data · click to open the full risk map

The Actuarial Gap

🗺 Explore the Soil Risk Map →
County-level shrink-swell risk, FSI, and OM depletion across the continental U.S. — with live SSURGO data lookup.
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