Climate Risk Summary

Zip Code 94901, Risk Profile

The primary drivers of climate-related financial risk in San Rafael, CA (94901) are Earthquake, Inland Flooding, and Coastal Flooding.

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

$24,233,974

Expected Annual Loss for Zip Code 94901

95.8Score

Very High compared to US average

94901
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$16,446,861

Expected Annual Loss for Zip Code 94901

85.0Score

Very High compared to US average

94901
Minimal Estimated LossMax Estimated Loss

Coastal Flooding

$8,752,323

Expected Annual Loss for Zip Code 94901

70.8Score

Very High compared to US average

94901
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$24,233,974
Score: 95.8
MAJOR DRIVER
Inland Flooding
$16,446,861
Score: 85.0
MAJOR DRIVER
Coastal Flooding
$8,752,323
Score: 70.8
Heat Wave
$249,939
Score: 40.4
Landslide
$55,949
Score: 79.7
Tornado
$40,925
Score: 12.0
Lightning
$26,760
Score: 19.2
Wildfire
$20,331
Score: 57.0
Strong Wind
$16,351
Score: 13.5
Drought
$1,841
Score: 21.4
Hail
$1,367
Score: 4.1
Winter Weather
$539
Score: 15.5
Volcanic Activity
$11
Score: 66.7

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: 95.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 85.0
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.8

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 94903Zip Code 94939Zip Code 94904Zip Code 94964Zip Code 94925Zip Code 94957
94901 Climate Risk Report | San Rafael, CA