Climate Risk Atlas/CA/Unincorporated/93554

Unincorporated, CA (93554) Earthquake & Climate Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, CA (93554) are Earthquake, Inland Flooding, and Heat Wave. This area also faces an unusually high intensity for Wildfire and Landslide compared to national averages.

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.

Zip Code Risk Map

Flood Plain Analysis

Significant Flood Exposure in 93554

FEMA Flood Maps for 93554 identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively High
Relative Vulnerability
$505,801
Annualized Property Exposure

Primary Risks

Earthquake

$571,712

Expected Annual Loss for Zip Code 93554

93.7Score

Relatively High compared to US average

Inland Flooding

$505,801

Expected Annual Loss for Zip Code 93554

85.3Score

Relatively High compared to US average

Heat Wave

$66,295

Expected Annual Loss for Zip Code 93554

89.2Score

Relatively High compared to US average

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$571,712
Score: 93.7
MAJOR DRIVER
Inland Flooding
$505,801
Score: 85.3
MAJOR DRIVER
Heat Wave
$66,295
Score: 89.2
UNUSUALLY HIGH
Wildfire
$48,618
Score: 95.3
Lightning
$2,312
Score: 32.0
Strong Wind
$2,200
Score: 24.7
Tornado
$1,018
Score: 6.0
UNUSUALLY HIGH
Landslide
$501
Score: 93.2
Winter Weather
$419
Score: 33.1
Hail
$285
Score: 18.1
Avalanche
$178
Score: 34.5
Drought
$65
Score: 74.1
Volcanic Activity
$0
Score: 55.4

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.7
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 85.3
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 89.2
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 95.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 93.2

Methodology and Sources

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Locations

Zip Code 93505Zip Code 93527Zip Code 93555