Climate Risk Summary

Zip Code 92321, Risk Profile

The primary drivers of climate-related financial risk in Lake Arrowhead, CA (92321) are Wildfire, Earthquake, and Landslide.

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

Wildfire

$2,212,145

Expected Annual Loss for Zip Code 92321

99.5Score

Very High compared to US average

92321 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,067,399

Expected Annual Loss for Zip Code 92321

91.1Score

Relatively High compared to US average

92321
Minimal Estimated LossMax Estimated Loss

Landslide

$942,667

Expected Annual Loss for Zip Code 92321

98.8Score

Very High compared to US average

92321 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$2,212,145
Score: 99.5
MAJOR DRIVER
Earthquake
$1,067,399
Score: 91.1
MAJOR DRIVER
Landslide
$942,667
Score: 98.8
Inland Flooding
$619,575
Score: 50.3
Heat Wave
$8,719
Score: 11.5
Cold Wave
$6,412
Score: 21.2
Tornado
$4,638
Score: 10.5
Strong Wind
$4,084
Score: 19.6
Hail
$2,925
Score: 34.1
Lightning
$1,510
Score: 9.6
Winter Weather
$400
Score: 21.9

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.8

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 92382Zip Code 92352Zip Code 92385Zip Code 92404Zip Code 92341Zip Code 92317
92321 Climate Risk Report | Lake Arrowhead, CA