Climate Risk Summary

Zip Code 91001, Risk Profile

The primary drivers of climate-related financial risk in Altadena, CA (91001) are Earthquake, Inland Flooding, and Wildfire.

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

Earthquake

$10,210,992

Expected Annual Loss for Zip Code 91001

93.3Score

Relatively High compared to US average

91001
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$9,899,150

Expected Annual Loss for Zip Code 91001

81.3Score

Very High compared to US average

91001
Minimal Estimated LossMax Estimated Loss

Wildfire

$5,430,155

Expected Annual Loss for Zip Code 91001

74.4Score

Very High compared to US average

91001
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$10,210,992
Score: 93.3
MAJOR DRIVER
Inland Flooding
$9,899,150
Score: 81.3
MAJOR DRIVER
Wildfire
$5,430,155
Score: 74.4
Heat Wave
$168,976
Score: 33.8
Tornado
$72,233
Score: 22.1
Hail
$10,240
Score: 25.5
Lightning
$8,804
Score: 8.0
Strong Wind
$4,101
Score: 7.1
Winter Weather
$1,086
Score: 16.3
Landslide
$971
Score: 54.7
Cold Wave
$485
Score: 7.3

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: 93.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 81.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 74.4

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 91104Zip Code 91103Zip Code 91011Zip Code 91107Zip Code 91101Zip Code 91105