Clearlake: Wildfire, Flood & Hurricane (95422)
95422 in Clearlake, CA: wildfire and flood risk, est. insurance $1,278–$2,077/yr, and buyer guidance before you close.
Clearlake, California 95422
Data retrieved: Oct 29, 2026 at 09:33 UTC
Overall Risk
Below the national median (safer than most)
County-level composite
Est. Annual Insurance
$1,278 – $2,077
Directional range
Premium Strain
1.83% of median income
moderate
Flood Insurance
Not required
Parcel falls outside SFHA
Wildfire-first due diligence
Wildfire risk in 95422: what to check before closing
- Primary driver: wildfire (score 52) based on federal datasets for 95422.
- Est. homeowners insurance $1,278–$2,077/yr; ask carriers how wildfire is priced in Clearlake.
- Use nearby-ZIP comparisons to pressure-test price, insurance, and resale liquidity.
Quick buyer brief
What makes 95422 different
A short, indexable summary for buyers comparing 95422 with nearby options in Clearlake.
95422 ranks below the national median (safer than most) for overall climate risk, with the biggest current drivers being wildfire or flood.
Buyers in this ZIP should budget roughly $1,278 - $2,077/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.
If you are choosing between nearby ZIP codes, compare this page with the state overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
SEVERE
California's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (state FAIR Plan or residual market) is essential.
Admitted Market Share
52%
Carriers exiting at 9.8% YoY in California.
Residual Market
$3,200–$8,500
annual · last-resort
FAIR Plan / Citizens exposure up 424% since 2020.
Premium Strain Index
Insurance is roughly 1.8% of median household income — manageable but worth budgeting for.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,278 to $2,077. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Unknown County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Below the national median (safer than most)
Hurricane
LowBottom 20% nationally (safer than most)
Earthquake
MinimalBottom 20% nationally (safer than most)
Extreme Heat
MinimalAround the national median
Flood
ModerateAround the national median
Wildfire
ModerateBelow the national median (safer than most)
Severe Storm / Tornado
LowLocal Flood Risk Cost Estimator
Flood insurance costs in Clearlake, CA
In Clearlake, CA, the directional annual NFIP flood insurance premium is approximately $1,043 (range $600–$1,408), and the estimated average historical flood claim in Lake is $51,428. Typical mapped exposure aligns with Zone X (moderate / 500-year) (county flood percentile: 49).
- NFIP premium (mid)
- $1,043/yr
- Monthly escrow slice
- $50–$117/mo
- Avg. paid claim
- $51,428
- Lender may require
- Often optional
Wildfire & FAIR Plan Stress Test
Wildfire insurance non-renewal risk in Clearlake, CA
In Clearlake, CA, admitted-carrier withdrawal could push coverage through California FAIR Plan at roughly $3,104/yr — about +$1,426/yr vs. a $1,678 baseline (wildfire percentile: 52).
Non-renewal risk: severe
- Baseline premium
- $1,678/yr
- Residual market est.
- $3,104/yr
- Annual uplift
- +$1,426/yr
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Federal hurricane data unavailable; score is a seed estimate.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: unavailable. Geologically stable region; earthquake is not a meaningful property risk here.
USGS · National Risk Index
Extreme Heat
Federal heat data unavailable; score is a seed estimate.
NOAA · National Risk Index (HWAV)
Flood Risk
Federal flood data unavailable for this location; score is a seed estimate.
FEMA · National Risk Index
Wildfire Risk
USDA Wildfire Hazard Potential at parcel: Moderate (Class 3/5). NRI county data unavailable.
USDA · WHP + National Risk Index
Severe Storm / Tornado
Severe storm / wind risk: Below the national median (safer than most). Southern California sees winter storm fronts, straight-line wind, and occasional weak tornadoes, but not the violent tornado climatology of the Great Plains. The high NRI percentile is driven largely by population and property density in Los Angeles County.
FEMA · National Risk Index (TRND)
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
California's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (state FAIR Plan or residual market) is essential.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved October 29, 2026
FEMA— National Risk Index (HRCN)
Retrieved October 29, 2026
USDA— WHP + National Risk Index
Retrieved October 29, 2026
USGS— National Risk Index
Retrieved October 29, 2026
NOAA— National Risk Index (HWAV)
Retrieved October 29, 2026
FEMA— National Risk Index (TRND)
Retrieved October 29, 2026
What buyers should know
Buying in 95422: a risk primer
Before you write an offer on a home in Clearlake, understand how climate and insurance costs affect long-term ownership in 95422.
95422 in Clearlake, California, scores below the national median (safer than most) on our composite climate-risk index. That ranking reflects the combined influence of wildfire exposure (52), flood risk (49), and hurricane wind exposure (40) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Wildfire risk in 95422
The wildfire exposure score for 95422 is 52 (moderate), which is around or slightly above the national median. Wildfire risk in 95422 is moderate and usually tied to vegetated edges or WUI proximity rather than dense forest. Still, carriers in California are increasingly using parcel-level wildfire scores to price or decline coverage, so a pre-close quote is wise.
For a specific address inside 95422, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Flood risk in 95422
The flood risk score for 95422 is 49 (moderate), which is around or slightly above the national median. Parts of 95422 carry moderate flood exposure driven by rainfall-driven ponding or nearby creek flooding. Even outside the SFHA, lenders do not require flood insurance unless the parcel is mapped in Zone A/AE, but we still recommend a flood quote before closing.
For a specific address inside 95422, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Hurricane risk in 95422
The hurricane wind exposure score for 95422 is 40 (low), which is around or slightly above the national median. 95422 has measurable hurricane or tropical-storm wind exposure. While not in the highest coastal tier, falling trees and power outages are realistic scenarios. Check whether the HOA or municipality has debris-removal obligations after a storm.
For a specific address inside 95422, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 95422, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,278 – $2,077 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 1.83% of the Unknown County median household income — a moderate premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes wildfire exposure, flood risk, and hurricane wind exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free California-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 95422, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 95422
Ready to underwrite 95422?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Lake
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Clearlake.
Explore 95422 in context
Indexable hub links for buyers comparing 95422 with the wider Clearlake market and California insurance trends.
California climate risk overview
State-wide hazard patterns and insurance context for buyers near Clearlake, CA.
California buyer guides
State-wide insurance market pressure and regional hazard patterns.
High-risk area buyer checklist
Questions to ask before writing an offer in 95422.
Free contract templates for California buyers
Download free climate-risk contingency addendums written for California purchase agreements. Add wildfire, flood, or hurricane contingencies to your offer.
Browse free templates