Climate Risk Summary

Zip Code 92211, Risk Profile

The primary drivers of climate-related financial risk in Palm Desert, CA (92211) are Inland Flooding, Earthquake, and Heat Wave.

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

$36,072,400

Expected Annual Loss for Zip Code 92211

99.6Score

Very High compared to US average

92211 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$16,566,304

Expected Annual Loss for Zip Code 92211

98.4Score

Very High compared to US average

92211
Minimal Estimated LossMax Estimated Loss

Heat Wave

$171,459

Expected Annual Loss for Zip Code 92211

51.2Score

Relatively Moderate compared to US average

92211
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
$36,072,400
Score: 99.6
MAJOR DRIVER
Earthquake
$16,566,304
Score: 98.4
MAJOR DRIVER
Heat Wave
$171,459
Score: 51.2
Tornado
$41,589
Score: 21.6
Wildfire
$17,765
Score: 70.7
Hail
$14,621
Score: 37.1
Lightning
$6,842
Score: 10.5
Strong Wind
$6,774
Score: 12.2
Winter Weather
$144
Score: 14.2
Drought
$23
Score: 11.6
Hurricane
$19
Score: 11.3
Volcanic Activity
$6
Score: 68.2
Landslide
$1
Score: 26.1

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: 99.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.4
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 51.2

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 92276Zip Code 92210Zip Code 92260Zip Code 92203Zip Code 92253Zip Code 92241
92211 Climate Risk Report | Palm Desert, CA