Climate Risk Summary

Zip Code 91321, Risk Profile

The primary drivers of climate-related financial risk in Santa Clarita, CA (91321) are Earthquake, Inland Flooding, 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

Earthquake

$18,379,213

Expected Annual Loss for Zip Code 91321

95.6Score

Very High compared to US average

91321
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$14,344,669

Expected Annual Loss for Zip Code 91321

89.6Score

Very High compared to US average

91321
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,344,347

Expected Annual Loss for Zip Code 91321

92.0Score

Relatively High compared to US average

91321
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$18,379,213
Score: 95.6
MAJOR DRIVER
Inland Flooding
$14,344,669
Score: 89.6
MAJOR DRIVER
Wildfire
$1,344,347
Score: 92.0
Heat Wave
$186,208
Score: 34.2
Tornado
$50,911
Score: 15.8
Hail
$6,601
Score: 18.8
Landslide
$5,990
Score: 72.7
Lightning
$4,673
Score: 3.3
Strong Wind
$2,895
Score: 5.1
Winter Weather
$840
Score: 15.8
Cold Wave
$338
Score: 3.1

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: 95.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 89.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 92.0

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 91350Zip Code 91342Zip Code 91387Zip Code 91381Zip Code 91351Zip Code 91344