Climate Risk Summary

Zip Code 94705, Risk Profile

The primary drivers of climate-related financial risk in Berkeley, CA (94705) are Earthquake, Inland Flooding, and Landslide.

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

$21,158,781

Expected Annual Loss for Zip Code 94705

98.7Score

Very High compared to US average

94705 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$3,207,093

Expected Annual Loss for Zip Code 94705

56.2Score

Relatively Moderate compared to US average

94705
Minimal Estimated LossMax Estimated Loss

Landslide

$182,998

Expected Annual Loss for Zip Code 94705

62.0Score

Relatively High compared to US average

94705
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$21,158,781
Score: 98.7
MAJOR DRIVER
Inland Flooding
$3,207,093
Score: 56.2
MAJOR DRIVER
Landslide
$182,998
Score: 62.0
Heat Wave
$99,436
Score: 32.5
Wildfire
$83,592
Score: 45.5
Tornado
$19,135
Score: 10.2
Lightning
$1,847
Score: 1.8
Hail
$1,224
Score: 7.2
Strong Wind
$830
Score: 2.6
Winter Weather
$211
Score: 4.5
Volcanic Activity
$3
Score: 53.2

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: 98.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 56.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 62.0

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 94720Zip Code 94704Zip Code 94618Zip Code 94611Zip Code 94563Zip Code 94708