Climate Risk Summary

Zip Code 92596, Risk Profile

The primary drivers of climate-related financial risk in French Valley, CA (92596) are Inland Flooding, Wildfire, and Earthquake.

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

$15,174,638

Expected Annual Loss for Zip Code 92596

89.2Score

Very High compared to US average

92596
Minimal Estimated LossMax Estimated Loss

Wildfire

$7,457,041

Expected Annual Loss for Zip Code 92596

95.2Score

Very High compared to US average

92596
Minimal Estimated LossMax Estimated Loss

Earthquake

$5,736,513

Expected Annual Loss for Zip Code 92596

88.0Score

Relatively High compared to US average

92596
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
$15,174,638
Score: 89.2
MAJOR DRIVER
Wildfire
$7,457,041
Score: 95.2
MAJOR DRIVER
Earthquake
$5,736,513
Score: 88.0
Heat Wave
$318,018
Score: 50.5
Tornado
$103,002
Score: 25.6
Hail
$15,337
Score: 29.5
Lightning
$11,389
Score: 9.7
Drought
$10,529
Score: 57.7
Strong Wind
$9,854
Score: 10.9
Landslide
$2,380
Score: 55.3
Winter Weather
$2,031
Score: 20.1
Hurricane
$48
Score: 11.3

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: 89.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 95.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.0

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

Nearby Locations

Zip Code 92545Zip Code 92584Zip Code 92592Zip Code 92563Zip Code 92543Zip Code 92591
92596 Climate Risk Report | French Valley, CA