Climate Risk Summary

Zip Code 90254, Risk Profile

The primary drivers of climate-related financial risk in Hermosa Beach, CA (90254) are Earthquake, Inland Flooding, and Tornado.

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

$8,155,108

Expected Annual Loss for Zip Code 90254

94.8Score

Relatively High compared to US average

90254
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,231,513

Expected Annual Loss for Zip Code 90254

71.1Score

Relatively High compared to US average

90254
Minimal Estimated LossMax Estimated Loss

Tornado

$43,198

Expected Annual Loss for Zip Code 90254

21.8Score

Very Low compared to US average

90254
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$8,155,108
Score: 94.8
MAJOR DRIVER
Inland Flooding
$4,231,513
Score: 71.1
MAJOR DRIVER
Tornado
$43,198
Score: 21.8
Heat Wave
$40,544
Score: 11.9
Hail
$3,881
Score: 19.8
Lightning
$2,607
Score: 2.8
Strong Wind
$1,830
Score: 5.5
Coastal Flooding
$1,401
Score: 45.4
Landslide
$19
Score: 50.9

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: 94.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 71.1
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 21.8

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 90266Zip Code 90278Zip Code 90277Zip Code 90503Zip Code 90250Zip Code 90245
90254 Climate Risk Report | Hermosa Beach, CA