Climate Risk Summary

Zip Code 94565, Risk Profile

The primary drivers of climate-related financial risk in Pittsburg, CA (94565) are Earthquake, Inland Flooding, and Heat Wave.

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

$30,271,981

Expected Annual Loss for Zip Code 94565

93.2Score

Very High compared to US average

94565

Minimal Estimated LossMax Estimated Loss

Inland Flooding

$14,965,607

Expected Annual Loss for Zip Code 94565

59.9Score

Very High compared to US average

94565

Minimal Estimated LossMax Estimated Loss

Heat Wave

$1,556,874

Expected Annual Loss for Zip Code 94565

74.6Score

Relatively High compared to US average

94565

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Earthquake

$30,271,981

Score: 93.2

MAJOR DRIVER

Inland Flooding

$14,965,607

Score: 59.9

MAJOR DRIVER

Heat Wave

$1,556,874

Score: 74.6

Wildfire

$416,779

Score: 45.0

Coastal Flooding

$261,270

Score: 26.1

Lightning

$120,341

Score: 36.1

Tornado

$110,669

Score: 15.3

Landslide

$70,026

Score: 57.2

Strong Wind

$28,997

Score: 12.6

Hail

$13,163

Score: 18.2

Winter Weather

$206

Score: 3.3

Drought

$162

Score: 4.1

Volcanic Activity

$23

Score: 67.0

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: 93.2

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 59.9

☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 74.6

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 94521 Zip Code 94520 Zip Code 94517 Zip Code 94519 Zip Code 94509 Zip Code 94585