Climate Risk Summary

Zip Code 95062, Risk Profile

The primary drivers of climate-related financial risk in Capitola, CA (95062) are Earthquake, Inland Flooding, and Tsunami.

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

$15,256,229

Expected Annual Loss for Zip Code 95062

93.8Score

Very High compared to US average

95062
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$5,854,366

Expected Annual Loss for Zip Code 95062

45.0Score

Relatively High compared to US average

95062
Minimal Estimated LossMax Estimated Loss

Tsunami

$1,736,829

Expected Annual Loss for Zip Code 95062

58.8Score

Relatively Moderate compared to US average

95062
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Earthquake
$15,256,229
Score: 93.8
MAJOR DRIVER
Inland Flooding
$5,854,366
Score: 45.0
MAJOR DRIVER
Tsunami
$1,736,829
Score: 58.8
Heat Wave
$232,938
Score: 34.5
Coastal Flooding
$42,236
Score: 40.5
Lightning
$41,542
Score: 25.2
Tornado
$22,652
Score: 5.6
Hail
$10,033
Score: 21.9
Strong Wind
$4,520
Score: 6.2
Wildfire
$1,775
Score: 40.3
Winter Weather
$1,070
Score: 16.7
Landslide
$21
Score: 42.0

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: 93.8
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 45.0
🏠Low Investment

Tsunami Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.8

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 95065Zip Code 95010Zip Code 95073Zip Code 95060Zip Code 95003Zip Code 95064
95062 Climate Risk Report | Capitola, CA