Climate Risk Summary

Zip Code 90745, Risk Profile

The primary drivers of climate-related financial risk in Carson, CA (90745) 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

$25,146,809

Expected Annual Loss for Zip Code 90745

93.2Score

Very High compared to US average

90745
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$15,272,169

Expected Annual Loss for Zip Code 90745

74.3Score

Very High compared to US average

90745
Minimal Estimated LossMax Estimated Loss

Heat Wave

$131,576

Expected Annual Loss for Zip Code 90745

18.4Score

Relatively Low compared to US average

90745
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$25,146,809
Score: 93.2
MAJOR DRIVER
Inland Flooding
$15,272,169
Score: 74.3
MAJOR DRIVER
Heat Wave
$131,576
Score: 18.4
Tornado
$124,632
Score: 20.4
Coastal Flooding
$29,927
Score: 29.3
Hail
$11,292
Score: 17.7
Lightning
$9,666
Score: 6.0
Strong Wind
$5,166
Score: 6.2
Wildfire
$502
Score: 7.8
Landslide
$1
Score: 9.8

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: 93.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 74.3
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 18.4

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 90746Zip Code 90744Zip Code 90810Zip Code 90502Zip Code 90710Zip Code 90248