Climate Risk Summary

Zip Code 93401, Risk Profile

The primary drivers of climate-related financial risk in San Luis Obispo, CA (93401) are Inland Flooding, Earthquake, 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

Inland Flooding

$15,554,252

Expected Annual Loss for Zip Code 93401

86.8Score

Very High compared to US average

93401
Minimal Estimated LossMax Estimated Loss

Earthquake

$4,968,745

Expected Annual Loss for Zip Code 93401

86.5Score

Relatively High compared to US average

93401
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,084,453

Expected Annual Loss for Zip Code 93401

78.8Score

Relatively High compared to US average

93401
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
$15,554,252
Score: 86.8
MAJOR DRIVER
Earthquake
$4,968,745
Score: 86.5
MAJOR DRIVER
Wildfire
$1,084,453
Score: 78.8
Drought
$508,491
Score: 34.2
Landslide
$80,523
Score: 63.6
Heat Wave
$78,215
Score: 13.4
Lightning
$10,179
Score: 8.3
Strong Wind
$3,846
Score: 6.1
Hail
$2,127
Score: 7.3
Tornado
$1,041
Score: 1.0
Coastal Flooding
$480
Score: 5.3
Winter Weather
$57
Score: 11.2

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: 86.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 78.8

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 93420Zip Code 93405Zip Code 93449Zip Code 93410Zip Code 93407Zip Code 93453
93401 Climate Risk Report | San Luis Obispo, CA