Climate Risk Summary

Zip Code 95357, Risk Profile

The primary drivers of climate-related financial risk in Modesto, CA (95357) are Inland Flooding, Earthquake, and Drought.

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

Inland Flooding

$7,336,124

Expected Annual Loss for Zip Code 95357

73.1Score

Very High compared to US average

95357
Minimal Estimated LossMax Estimated Loss

Earthquake

$5,192,748

Expected Annual Loss for Zip Code 95357

86.4Score

Very High compared to US average

95357
Minimal Estimated LossMax Estimated Loss

Drought

$1,974,034

Expected Annual Loss for Zip Code 95357

88.7Score

Very High compared to US average

95357
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$7,336,124
Score: 73.1
MAJOR DRIVER
Earthquake
$5,192,748
Score: 86.4
MAJOR DRIVER
Drought
$1,974,034
Score: 88.7
Heat Wave
$226,041
Score: 60.3
Wildfire
$60,635
Score: 66.1
Lightning
$41,789
Score: 46.2
Tornado
$19,767
Score: 10.8
Strong Wind
$11,119
Score: 15.9
Hail
$10,898
Score: 31.4
Winter Weather
$1,228
Score: 20.8
Volcanic Activity
$9
Score: 75.0
Landslide
$6
Score: 23.6

Recommended Mitigation Strategies

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: 73.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.4
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.7

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 95361Zip Code 95355Zip Code 95319Zip Code 95326Zip Code 95354Zip Code 95307
95357 Climate Risk Report | Modesto, CA