Climate Risk Summary

Zip Code 95070, Risk Profile

The primary drivers of climate-related financial risk in Saratoga, CA (95070) are Earthquake, Inland Flooding, and Wildfire.

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

$23,915,389

Expected Annual Loss for Zip Code 95070

98.5Score

Very High compared to US average

95070 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$13,596,809

Expected Annual Loss for Zip Code 95070

94.4Score

Very High compared to US average

95070
Minimal Estimated LossMax Estimated Loss

Wildfire

$481,455

Expected Annual Loss for Zip Code 95070

61.0Score

Relatively High compared to US average

95070
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$23,915,389
Score: 98.5
MAJOR DRIVER
Inland Flooding
$13,596,809
Score: 94.4
MAJOR DRIVER
Wildfire
$481,455
Score: 61.0
Heat Wave
$380,866
Score: 67.3
Landslide
$76,567
Score: 77.3
Tornado
$30,243
Score: 13.1
Lightning
$4,423
Score: 4.5
Hail
$2,761
Score: 13.2
Strong Wind
$1,164
Score: 2.9
Winter Weather
$86
Score: 3.6

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: 98.5
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 94.4
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 61.0

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 95030Zip Code 95014Zip Code 95033Zip Code 95129Zip Code 95032Zip Code 95130
95070 Climate Risk Report | Saratoga, CA