Climate Risk Summary

Zip Code 93657, Risk Profile

The primary drivers of climate-related financial risk in Sanger, CA (93657) are Inland Flooding, Drought, and Earthquake.

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

$8,326,656

Expected Annual Loss for Zip Code 93657

59.8Score

Relatively High compared to US average

93657
Minimal Estimated LossMax Estimated Loss

Drought

$7,617,607

Expected Annual Loss for Zip Code 93657

93.4Score

Very High compared to US average

93657
Minimal Estimated LossMax Estimated Loss

Earthquake

$3,309,960

Expected Annual Loss for Zip Code 93657

83.7Score

Relatively High compared to US average

93657
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
$8,326,656
Score: 59.8
MAJOR DRIVER
Drought
$7,617,607
Score: 93.4
MAJOR DRIVER
Earthquake
$3,309,960
Score: 83.7
Wildfire
$2,126,911
Score: 72.7
Heat Wave
$856,552
Score: 61.8
Hail
$243,510
Score: 57.5
Landslide
$114,496
Score: 20.1
Tornado
$56,147
Score: 15.2
Lightning
$34,504
Score: 23.0
Strong Wind
$8,372
Score: 7.3
Winter Weather
$921
Score: 13.3
Volcanic Activity
$1
Score: 8.8

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: 59.8
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.4
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 83.7

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 93654Zip Code 93619Zip Code 93621Zip Code 93648Zip Code 93646Zip Code 93667