Climate Risk Summary

Zip Code 91733, Risk Profile

The primary drivers of climate-related financial risk in El Monte, CA (91733) are Earthquake, Inland Flooding, and Heat Wave.

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

$24,006,143

Expected Annual Loss for Zip Code 91733

96.9Score

Very High compared to US average

91733
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$17,754,348

Expected Annual Loss for Zip Code 91733

85.2Score

Very High compared to US average

91733
Minimal Estimated LossMax Estimated Loss

Heat Wave

$191,665

Expected Annual Loss for Zip Code 91733

42.8Score

Relatively Moderate compared to US average

91733
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$24,006,143
Score: 96.9
MAJOR DRIVER
Inland Flooding
$17,754,348
Score: 85.2
MAJOR DRIVER
Heat Wave
$191,665
Score: 42.8
Tornado
$91,679
Score: 26.4
Hail
$12,274
Score: 28.8
Lightning
$10,067
Score: 11.0
Strong Wind
$5,247
Score: 8.9
Wildfire
$1,344
Score: 13.2
Winter Weather
$121
Score: 13.0
Landslide
$5
Score: 19.2

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: 96.9
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 85.2
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 42.8

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

Nearby Locations

Zip Code 90601Zip Code 91770Zip Code 91731Zip Code 90660Zip Code 90640Zip Code 91732
91733 Climate Risk Report | El Monte, CA