Climate Risk Summary

Winters, CA Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$783,140

Expected Annual Loss for Winters

35.4Score

Relatively Low compared to US average

Winters
Minimal Estimated LossMax Estimated Loss

Earthquake

$694,648

Expected Annual Loss for Winters

83.5Score

Relatively Moderate compared to US average

Winters
Minimal Estimated LossMax Estimated Loss

Wildfire

$64,259

Expected Annual Loss for Winters

87.7Score

Relatively Moderate compared to US average

Winters
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$783,140
Score: 35.4
MAJOR DRIVER
Earthquake
$694,648
Score: 83.5
MAJOR DRIVER
Wildfire
$64,259
Score: 87.7
Heat Wave
$27,642
Score: 21.9
UNUSUALLY HIGH
Drought
$9,904
Score: 85.1
Lightning
$3,136
Score: 11.3
Tornado
$2,921
Score: 4.0
Strong Wind
$1,472
Score: 8.6
Hail
$394
Score: 5.7
Winter Weather
$13
Score: 11.1
Volcanic Activity
$1
Score: 46.8
Landslide
$0
Score: 12.6

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: 83.5
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 87.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1

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

AllendaleDavisDixonEspartoHartley

Zip Codes in Winters

95694