Climate Risk Summary

Carmel-by-the-Sea, CA Risk Profile

The primary drivers of climate-related financial risk in Carmel-by-the-Sea, CA are Earthquake, Inland Flooding, and Heat Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Carmel-by-the-Sea.

Primary Risks

Earthquake

$2,290,676

Expected Annual Loss for Carmel-by-the-Sea

94.2Score

Relatively High compared to US average

Carmel-by-the-Sea
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,208,442

Expected Annual Loss for Carmel-by-the-Sea

66.3Score

Relatively Moderate compared to US average

Carmel-by-the-Sea
Minimal Estimated LossMax Estimated Loss

Heat Wave

$19,043

Expected Annual Loss for Carmel-by-the-Sea

17.9Score

Relatively Low compared to US average

Carmel-by-the-Sea
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$2,290,676
Score: 94.2
MAJOR DRIVER
Inland Flooding
$1,208,442
Score: 66.3
MAJOR DRIVER
Heat Wave
$19,043
Score: 17.9
Coastal Flooding
$5,426
Score: 78.5
Tornado
$3,362
Score: 5.3
Lightning
$2,710
Score: 12.0
Strong Wind
$409
Score: 3.8
Tsunami
$261
Score: 13.7
Hail
$271
Score: 4.6
Wildfire
$149
Score: 26.6
Winter Weather
$31
Score: 13.3
Landslide
$28
Score: 68.0

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: 94.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 66.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 68.0

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

Carmel Valley VillageDel Monte ForestDel Rey OaksMarinaMonterey

Zip Codes in Carmel-by-the-Sea

9392193923
Climate Risk Analysis for Carmel-by-the-Sea, CA