Climate Risk Summary

Topanga, CA Risk Profile

The primary drivers of climate-related financial risk in Topanga, CA are Wildfire, Earthquake, and Inland Flooding. This area also faces an unusually high intensity for Landslide compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Topanga.

Primary Risks

Wildfire

$3,220,507

Expected Annual Loss for Topanga

99.5Score

Very High compared to US average

Topanga (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$1,410,525

Expected Annual Loss for Topanga

90.3Score

Relatively High compared to US average

Topanga
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,378,915

Expected Annual Loss for Topanga

70.9Score

Relatively High compared to US average

Topanga
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$3,220,507
Score: 99.5
MAJOR DRIVER
Earthquake
$1,410,525
Score: 90.3
MAJOR DRIVER
Inland Flooding
$1,378,915
Score: 70.9
Coastal Flooding
$70,830
Score: 30.4
UNUSUALLY HIGH
Landslide
$26,286
Score: 98.4
Heat Wave
$19,858
Score: 16.5
Tornado
$9,150
Score: 15.2
Hail
$1,127
Score: 18.3
Lightning
$616
Score: 1.5
Strong Wind
$418
Score: 3.8
Winter Weather
$31
Score: 12.7

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 70.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.4

Sources and Methodology

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 Cities

Agoura HillsCalabasasHidden HillsLos AngelesMalibu

Zip Codes in Topanga

90265902909130291364