Climate Risk Summary

Oakland, CA Risk Profile

The primary drivers of climate-related financial risk in Oakland, CA are Earthquake, Inland Flooding, and Heat Wave.

City-Wide Aggregation

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

Primary Risks

Earthquake

$419,177,825

Expected Annual Loss for Oakland

97.7Score

Very High compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$92,851,684

Expected Annual Loss for Oakland

62.7Score

Very High compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

Heat Wave

$3,154,518

Expected Annual Loss for Oakland

42.7Score

Relatively Moderate compared to US average

Oakland
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$419,177,825
Score: 97.7
MAJOR DRIVER
Inland Flooding
$92,851,684
Score: 62.7
MAJOR DRIVER
Heat Wave
$3,154,518
Score: 42.7
Wildfire
$810,250
Score: 16.5
Landslide
$734,862
Score: 59.1
Coastal Flooding
$851,690
Score: 12.5
Tornado
$416,399
Score: 9.8
Lightning
$58,961
Score: 3.2
Drought
$43,050
Score: 5.1
Hail
$27,298
Score: 6.9
Strong Wind
$18,474
Score: 2.6
Winter Weather
$1,975
Score: 1.4
Volcanic Activity
$104
Score: 61.3

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: 97.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 62.7
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 59.1
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.3

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

AlamedaBerkeleyBrisbaneEmeryvilleOrinda

Zip Codes in Oakland

945779460194602946039460594606946079460894609946109461194612946139461894619946219470494705