Climate Risk Summary

Zip Code 95901, Risk Profile

The primary drivers of climate-related financial risk in Bangor, CA (95901) are Inland Flooding, Drought, 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

$13,283,675

Expected Annual Loss for Zip Code 95901

80.7Score

Very High compared to US average

95901
Minimal Estimated LossMax Estimated Loss

Drought

$5,455,512

Expected Annual Loss for Zip Code 95901

90.3Score

Very High compared to US average

95901
Minimal Estimated LossMax Estimated Loss

Earthquake

$3,235,656

Expected Annual Loss for Zip Code 95901

82.0Score

Relatively High compared to US average

95901
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
$13,283,675
Score: 80.7
MAJOR DRIVER
Drought
$5,455,512
Score: 90.3
MAJOR DRIVER
Earthquake
$3,235,656
Score: 82.0
Wildfire
$1,725,774
Score: 79.8
Heat Wave
$226,515
Score: 35.9
Lightning
$76,810
Score: 41.4
Tornado
$72,291
Score: 18.3
Strong Wind
$16,690
Score: 13.0
Hail
$11,968
Score: 22.1
Landslide
$5,893
Score: 41.0
Winter Weather
$1,524
Score: 17.9
Volcanic Activity
$9
Score: 61.4

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: 80.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.3
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.0

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 95918Zip Code 95903Zip Code 95966Zip Code 95977Zip Code 95965Zip Code 95953
95901 Climate Risk Report | Bangor, CA