Climate Risk Summary

Zip Code 92592, Risk Profile

The primary drivers of climate-related financial risk in Temecula, CA (92592) are Inland Flooding, Wildfire, 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

$34,536,938

Expected Annual Loss for Zip Code 92592

86.6Score

Very High compared to US average

92592

Minimal Estimated LossMax Estimated Loss

Wildfire

$29,798,557

Expected Annual Loss for Zip Code 92592

87.8Score

Very High compared to US average

92592 (OUTLIER)

Minimal Estimated LossMax Estimated Loss

Earthquake

$13,573,056

Expected Annual Loss for Zip Code 92592

88.9Score

Relatively High compared to US average

92592

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

$34,536,938

Score: 86.6

MAJOR DRIVER

Wildfire

$29,798,557

Score: 87.8

MAJOR DRIVER

Earthquake

$13,573,056

Score: 88.9

Heat Wave

$597,420

Score: 45.5

Tornado

$190,206

Score: 22.7

Hail

$34,534

Score: 29.6

Strong Wind

$20,791

Score: 10.6

Landslide

$20,587

Score: 79.2

Lightning

$20,248

Score: 7.5

Winter Weather

$4,002

Score: 19.3

Drought

$1,712

Score: 21.9

Cold Wave

$48

Score: 0.6

Hurricane

$45

Score: 10.8

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: 86.6

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 87.8

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.9

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 92591 Zip Code 92596 Zip Code 92544 Zip Code 92059 Zip Code 92563 Zip Code 92536