Climate Risk Summary

Zip Code 94116, Risk Profile

The primary drivers of climate-related financial risk in San Francisco, CA (94116) are Earthquake, Inland Flooding, and Heat Wave. This area also faces an unusually high intensity for Landslide compared to national averages.

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

$15,035,256

Expected Annual Loss for Zip Code 94116

95.1Score

Very High compared to US average

94116
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,977,790

Expected Annual Loss for Zip Code 94116

61.6Score

Relatively High compared to US average

94116
Minimal Estimated LossMax Estimated Loss

Heat Wave

$208,347

Expected Annual Loss for Zip Code 94116

38.6Score

Relatively Low compared to US average

94116
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$15,035,256
Score: 95.1
MAJOR DRIVER
Inland Flooding
$5,977,790
Score: 61.6
MAJOR DRIVER
Heat Wave
$208,347
Score: 38.6
Tornado
$25,265
Score: 7.9
UNUSUALLY HIGH
Landslide
$19,161
Score: 88.5
Lightning
$3,984
Score: 2.5
Strong Wind
$3,139
Score: 5.6
Hail
$2,252
Score: 8.1
Wildfire
$604
Score: 19.8

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: 95.1
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 61.6
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 38.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 88.5

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 94122Zip Code 94132Zip Code 94127Zip Code 94131Zip Code 94121Zip Code 94118