Climate Risk Summary

Monte Sereno, CA Risk Profile

The primary drivers of climate-related financial risk in Monte Sereno, CA are Earthquake, Inland Flooding, and Heat Wave. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Monte Sereno.

Primary Risks

Earthquake

$1,108,152

Expected Annual Loss for Monte Sereno

95.2Score

Relatively High compared to US average

Monte Sereno
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$459,262

Expected Annual Loss for Monte Sereno

62.6Score

Relatively Moderate compared to US average

Monte Sereno
Minimal Estimated LossMax Estimated Loss

Heat Wave

$18,815

Expected Annual Loss for Monte Sereno

42.1Score

Relatively Low compared to US average

Monte Sereno
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$1,108,152
Score: 95.2
MAJOR DRIVER
Inland Flooding
$459,262
Score: 62.6
MAJOR DRIVER
Heat Wave
$18,815
Score: 42.1
Tornado
$1,669
Score: 6.2
UNUSUALLY HIGH
Landslide
$388
Score: 90.6
Lightning
$221
Score: 1.2
Hail
$161
Score: 7.1
Wildfire
$121
Score: 48.0
Strong Wind
$64
Score: 1.4

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: 95.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 62.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 90.6

Sources and Methodology

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 Cities

Cambrian ParkCampbellCupertinoFruitdaleLexington Hills

Zip Codes in Monte Sereno

95030