Climate Risk Summary

Amador Pines, CA Risk Profile

The primary drivers of climate-related financial risk in Amador Pines, CA are Wildfire, Avalanche, and Inland Flooding. This area also faces an unusually high intensity for Winter Weather, Heat Wave, Lightning, and Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Amador Pines.

Primary Risks

Wildfire

$783,915

Expected Annual Loss for Amador Pines

99.9Score

Very High compared to US average

Amador Pines (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Avalanche

$365,333

Expected Annual Loss for Amador Pines

88.3Score

Relatively Moderate compared to US average

Amador Pines
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$156,250

Expected Annual Loss for Amador Pines

73.3Score

Relatively Moderate compared to US average

Amador Pines
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$783,915
Score: 99.9
MAJOR DRIVER
Avalanche
$365,333
Score: 88.3
MAJOR DRIVER
Inland Flooding
$156,250
Score: 73.3
UNUSUALLY HIGH
Winter Weather
$19,231
Score: 99.7
UNUSUALLY HIGH
Heat Wave
$17,783
Score: 80.4
Earthquake
$6,469
Score: 55.8
UNUSUALLY HIGH
Lightning
$6,265
Score: 86.1
UNUSUALLY HIGH
Landslide
$1,508
Score: 97.6
Strong Wind
$1,050
Score: 26.5
Tornado
$499
Score: 6.9
Hail
$476
Score: 34.8
Volcanic Activity
$0
Score: 65.0

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

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.9
🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 73.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.7
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 80.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 97.6
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.0

Sources and Methodology

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

Nearby Cities

ArnoldBuckhornJacksonLockwoodPine Grove

Zip Codes in Amador Pines

Climate Risk Analysis for Amador Pines, CA