Climate Risk Summary

Zip Code 93553, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, CA (93553) are Earthquake, Inland Flooding, and Wildfire.

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

$2,604,337

Expected Annual Loss for Zip Code 93553

96.6Score

Very High compared to US average

93553
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,511,504

Expected Annual Loss for Zip Code 93553

87.6Score

Relatively High compared to US average

93553
Minimal Estimated LossMax Estimated Loss

Wildfire

$548,278

Expected Annual Loss for Zip Code 93553

96.1Score

Relatively High compared to US average

93553
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$2,604,337
Score: 96.6
MAJOR DRIVER
Inland Flooding
$1,511,504
Score: 87.6
MAJOR DRIVER
Wildfire
$548,278
Score: 96.1
Heat Wave
$18,342
Score: 27.9
Tornado
$10,903
Score: 23.5
Landslide
$2,217
Score: 71.7
Hail
$1,600
Score: 26.5
Lightning
$1,252
Score: 8.6
Winter Weather
$1,135
Score: 34.6
Strong Wind
$606
Score: 7.7
Drought
$479
Score: 76.9
Cold Wave
$85
Score: 7.3

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: 96.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 87.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 96.1

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 93543Zip Code 93544Zip Code 93563Zip Code 93550Zip Code 92397Zip Code 93591
93553 Climate Risk Report | Unincorporated, CA