Climate Risk Summary

Bakersfield Country Club, CA Risk Profile

The primary drivers of climate-related financial risk in Bakersfield Country Club, CA are Inland Flooding, Earthquake, and Heat Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Bakersfield Country Club.

Primary Risks

Inland Flooding

$456,156

Expected Annual Loss for Bakersfield Country Club

37.1Score

Relatively Low compared to US average

Bakersfield Country Club
Minimal Estimated LossMax Estimated Loss

Earthquake

$301,590

Expected Annual Loss for Bakersfield Country Club

83.0Score

Relatively Moderate compared to US average

Bakersfield Country Club
Minimal Estimated LossMax Estimated Loss

Heat Wave

$108,024

Expected Annual Loss for Bakersfield Country Club

80.8Score

Relatively Moderate compared to US average

Bakersfield Country Club
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$456,156
Score: 37.1
MAJOR DRIVER
Earthquake
$301,590
Score: 83.0
MAJOR DRIVER
Heat Wave
$108,024
Score: 80.8
Lightning
$2,329
Score: 14.8
Strong Wind
$978
Score: 9.6
Tornado
$791
Score: 2.5
Hail
$393
Score: 11.1
Landslide
$7
Score: 59.0

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: 83.0
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 80.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 59.0

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BakersfieldCasa LomaCottonwoodEast BakersfieldEast Niles

Zip Codes in Bakersfield Country Club