Climate Risk Summary

Descanso, CA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Wildfire

$9,730,435

Expected Annual Loss for Descanso

100.0Score

Very High compared to US average

Descanso (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$829,167

Expected Annual Loss for Descanso

91.5Score

Relatively High compared to US average

Descanso
Minimal Estimated LossMax Estimated Loss

Earthquake

$270,440

Expected Annual Loss for Descanso

86.7Score

Relatively Moderate compared to US average

Descanso
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$9,730,435
Score: 100.0
MAJOR DRIVER
Inland Flooding
$829,167
Score: 91.5
MAJOR DRIVER
Earthquake
$270,440
Score: 86.7
UNUSUALLY HIGH
Landslide
$28,233
Score: 99.4
Heat Wave
$15,859
Score: 43.9
Tornado
$1,595
Score: 7.5
Winter Weather
$868
Score: 41.9
Hail
$764
Score: 26.9
Lightning
$635
Score: 8.4
Strong Wind
$540
Score: 10.2
Avalanche
$59
Score: 17.7
Drought
$55
Score: 73.1
Hurricane
$1
Score: 10.5
Volcanic Activity
$0
Score: 41.5

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

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 100.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 91.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.4
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.1

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

AlpineCampoCrestHarbison CanyonJamul

Zip Codes in Descanso

9190191916
Climate Risk Analysis for Descanso, CA