Climate Risk Summary

Zip Code 95746, Risk Profile

The primary drivers of climate-related financial risk in Granite Bay, CA (95746) are Inland Flooding, Earthquake, and Wildfire.

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

$8,754,879

Expected Annual Loss for Zip Code 95746

88.7Score

Very High compared to US average

95746
Minimal Estimated LossMax Estimated Loss

Earthquake

$467,449

Expected Annual Loss for Zip Code 95746

69.8Score

Relatively Low compared to US average

95746
Minimal Estimated LossMax Estimated Loss

Wildfire

$457,649

Expected Annual Loss for Zip Code 95746

74.2Score

Relatively High compared to US average

95746
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
$8,754,879
Score: 88.7
MAJOR DRIVER
Earthquake
$467,449
Score: 69.8
MAJOR DRIVER
Wildfire
$457,649
Score: 74.2
Heat Wave
$57,336
Score: 14.7
Lightning
$52,592
Score: 45.3
Tornado
$25,561
Score: 11.8
Strong Wind
$11,585
Score: 14.4
Hail
$6,185
Score: 23.3
Drought
$729
Score: 40.9
Winter Weather
$78
Score: 12.4
Landslide
$46
Score: 38.4
Volcanic Activity
$5
Score: 59.8

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: 88.7
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 69.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 74.2

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 95650Zip Code 95630Zip Code 95664Zip Code 95662Zip Code 95671Zip Code 95677
95746 Climate Risk Report | Granite Bay, CA