Climate Risk Summary

Discovery Bay, CA Risk Profile

The primary drivers of climate-related financial risk in Discovery Bay, CA are Inland Flooding, Earthquake, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$7,797,976

Expected Annual Loss for Discovery Bay

94.9Score

Very High compared to US average

Discovery Bay
Minimal Estimated LossMax Estimated Loss

Earthquake

$2,603,055

Expected Annual Loss for Discovery Bay

89.5Score

Relatively High compared to US average

Discovery Bay
Minimal Estimated LossMax Estimated Loss

Heat Wave

$141,941

Expected Annual Loss for Discovery Bay

57.9Score

Relatively Moderate compared to US average

Discovery Bay
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$7,797,976
Score: 94.9
MAJOR DRIVER
Earthquake
$2,603,055
Score: 89.5
MAJOR DRIVER
Heat Wave
$141,941
Score: 57.9
Drought
$92,717
Score: 56.0
Wildfire
$9,457
Score: 35.2
Tornado
$14,099
Score: 11.5
Lightning
$11,130
Score: 22.7
Strong Wind
$5,047
Score: 12.7
Hail
$2,638
Score: 20.1
Volcanic Activity
$6
Score: 75.6
Landslide
$1
Score: 22.7
Winter Weather
$0
Score: 3.8

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: 94.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.5
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 57.9
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 56.0
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 75.6

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

AntiochBethel IslandBrentwoodByronKnightsen

Zip Codes in Discovery Bay

9450594513
Climate Risk Analysis for Discovery Bay, CA