1. A computer-implemented method of presenting a visual representation of a predicted impact of a weather phenomenon to a location, the method comprising: obtaining, by a computer, a damage function for a value of a characteristic of the weather phenomenon; determining, by the computer, a probability of occurrence associated with the value based on a weather function; obtaining, by the computer, an impact function by scaling the damage function according to the probability of occurrence; obtaining, by the computer, a photographic image depicting at least one structure at the location; modifying, by the computer, the photographic image to reflect probable damage to the at least one structure commensurate with the impact function; and providing, by the computer, an interactive visual representation of the predicted impact of the weather phenomenon to the location, the visual representation including the modified photographic image.