An approach is disclosed for predicting damage area zones for a vehicle to avoid in case of an accident. The approach involves, for example, retrieving property cost data associated with one or more map features of a geographic area. The approach also involves determining at least one damage area zone in the geographic area based on the property cost data, wherein the at least one damage area zone indicates a zone within the geographic area associated with a property damage value predicted to result from an accident occurring in the zone based on the property cost data. The approach further involves providing the at least one damage area zone as a digital channel output of a geographic database.