Climate Risk Summary

Chico, CA Risk Profile

The primary drivers of climate-related financial risk in Chico, CA are Inland Flooding, Earthquake, and Wildfire. This area also faces an unusually high intensity for Volcanic Activity compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$18,273,134

Expected Annual Loss for Chico

65.4Score

Relatively High compared to US average

Chico
Minimal Estimated LossMax Estimated Loss

Earthquake

$17,721,119

Expected Annual Loss for Chico

88.7Score

Very High compared to US average

Chico
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,021,836

Expected Annual Loss for Chico

48.5Score

Very High compared to US average

Chico
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$18,273,134
Score: 65.4
MAJOR DRIVER
Earthquake
$17,721,119
Score: 88.7
MAJOR DRIVER
Wildfire
$1,021,836
Score: 48.5
Heat Wave
$649,078
Score: 45.7
Drought
$238,237
Score: 48.2
Lightning
$192,169
Score: 46.0
Tornado
$168,934
Score: 19.9
Hail
$43,555
Score: 31.4
Strong Wind
$28,162
Score: 11.9
Landslide
$12,056
Score: 29.9
Winter Weather
$2,720
Score: 17.3
UNUSUALLY HIGH
Volcanic Activity
$250
Score: 84.5

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 65.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.7
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 84.5

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

Butte Creek CanyonButte ValleyCohassetDurhamForest Ranch

Zip Codes in Chico

959269592895973