Climate Risk Summary

Zip Code 92397, Risk Profile

The primary drivers of climate-related financial risk in Wrightwood, CA (92397) are Inland Flooding, Earthquake, and Wildfire. This area also faces an unusually high intensity for Landslide compared to national averages.

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

$3,620,094

Expected Annual Loss for Zip Code 92397

97.5Score

Very High compared to US average

92397 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Earthquake

$2,237,389

Expected Annual Loss for Zip Code 92397

94.8Score

Relatively High compared to US average

92397
Minimal Estimated LossMax Estimated Loss

Wildfire

$1,717,996

Expected Annual Loss for Zip Code 92397

99.1Score

Very High compared to US average

92397 (OUTLIER)
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
$3,620,094
Score: 97.5
MAJOR DRIVER
Earthquake
$2,237,389
Score: 94.8
MAJOR DRIVER
Wildfire
$1,717,996
Score: 99.1
Avalanche
$142,948
Score: 71.7
Heat Wave
$27,106
Score: 29.6
Cold Wave
$22,345
Score: 29.0
UNUSUALLY HIGH
Landslide
$20,331
Score: 98.3
Tornado
$8,446
Score: 15.9
Strong Wind
$8,100
Score: 26.1
Hail
$4,078
Score: 36.1
Lightning
$3,503
Score: 16.6
Winter Weather
$1,607
Score: 35.1

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: 97.5
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.8
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.1
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.3

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 91759Zip Code 93544Zip Code 93563Zip Code 92358Zip Code 92372Zip Code 91702