Climate Risk Summary

Palm Desert, CA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$73,997,367

Expected Annual Loss for Palm Desert

98.8Score

Very High compared to US average

Palm Desert (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$32,370,442

Expected Annual Loss for Palm Desert

96.3Score

Very High compared to US average

Palm Desert
Minimal Estimated LossMax Estimated Loss

Heat Wave

$350,268

Expected Annual Loss for Palm Desert

43.9Score

Relatively Moderate compared to US average

Palm Desert
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$73,997,367
Score: 98.8
MAJOR DRIVER
Earthquake
$32,370,442
Score: 96.3
MAJOR DRIVER
Heat Wave
$350,268
Score: 43.9
Tornado
$90,601
Score: 19.1
Wildfire
$56,498
Score: 50.6
Hail
$30,623
Score: 34.1
Strong Wind
$14,328
Score: 11.1
Lightning
$13,740
Score: 8.5
Landslide
$1,462
Score: 19.7
Winter Weather
$316
Score: 13.8
Cold Wave
$120
Score: 0.3
Hurricane
$38
Score: 11.1
Drought
$26
Score: 19.7
Volcanic Activity
$12
Score: 62.7

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: 98.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.3
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 50.6
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.7

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

Nearby Cities

Bermuda DunesCathedral CityDesert PalmsIndian WellsIndio

Zip Codes in Palm Desert

9220392210922119226092270
Climate Risk Analysis for Palm Desert, CA