State Risk Profile
California CA
California buyers face a layered risk profile: wildfire, earthquake, heat, and insurance market strain all vary sharply by region.
WildfireEarthquakeExtreme Heat
Statewide Profile
- Population
- 39.0M
- Insurance Market
- High Pressure
- Cities Profiled
- 22
- Last Reviewed
- 2026-06-06
Risk Summary
California's climate and hazard profile is highly uneven, with wildfire, earthquake, flood, and heat risks changing materially from coast to foothills to inland valleys.
Coastal metros often read as seismic-first, inland valleys skew hotter, and foothill or WUI communities face the sharpest wildfire and insurance stress.
Insurance Market
California's insurance market remains one of the most stressed in the country, especially in WUI and high-fire-friction areas.
- FAIR Plan usage has become a material issue in many fire-prone areas.
- Earthquake coverage remains a separate budgeting choice across much of the state.
Notable Events
Significant state-level events
2018Wildfire
Camp Fire
The Paradise fire became a national benchmark for WUI catastrophe risk.
2023Flood
Atmospheric river season
Heavy winter storms renewed attention to inland flooding, landslides, and infrastructure stress.
City Directory
22 cities profiled in California
Anaheim
Orange County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Bakersfield
Kern County
WildfireEarthquake
View full report
Top 5% most at-risk nationally
Chico
Butte County
WildfireEarthquake
View full report
Top 10% most at-risk nationally
Fresno
Fresno County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Irvine
Orange County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Long Beach
Los Angeles County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Los Angeles
Los Angeles County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Modesto
Stanislaus County
EarthquakeExtreme Heat
View full report
Top 5% most at-risk nationally
Napa
Napa County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Oakland
Alameda County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Paradise
Butte County
WildfireEarthquake
View full report
Top 10% most at-risk nationally
Redding
Shasta County
WildfireEarthquake
View full report
Top 10% most at-risk nationally
Riverside
Riverside County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Sacramento
Sacramento County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
San Bernardino
San Bernardino County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
San Diego
San Diego County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
San Francisco
San Francisco County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
San Jose
Santa Clara County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Santa Barbara
Santa Barbara County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Santa Rosa
Sonoma County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Stockton
San Joaquin County
EarthquakeFlood
View full report
Top 5% most at-risk nationally
Ventura
Ventura County
EarthquakeWildfire
View full report
Top 5% most at-risk nationally
Location Reports
Active Address Risk Reports in California
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in California.
90001Los Angeles90002Los Angeles90003Los Angeles90004Los Angeles90005Los Angeles90006Los Angeles90007Los Angeles90008Los Angeles90010Los Angeles90011Los Angeles90012Los Angeles90013Los Angeles90014Los Angeles90015Los Angeles90016Los Angeles90017Los Angeles90018Los Angeles90019Los Angeles90020Los Angeles90021Los Angeles90022Los Angeles90023Los Angeles90024Los Angeles90025Los Angeles90026Los Angeles90027Los Angeles90028Los Angeles90029Los Angeles90031Los Angeles90032Los Angeles90033Los Angeles90034Los Angeles90035Los Angeles90036Los Angeles90037Los Angeles90038Los Angeles90039Los Angeles90040Los Angeles90041Los Angeles90042Los Angeles90043Los Angeles90044Los Angeles90045Los Angeles90046Los Angeles90047Los Angeles90048Los Angeles90049Los Angeles90056Los Angeles90057Los Angeles90058Los Angeles90059Los Angeles90061Los Angeles90062Los Angeles90063Los Angeles90064Los Angeles90065Los Angeles90066Los Angeles90067Los Angeles90068Los Angeles90073Los Angeles90077Los Angeles90089Los Angeles90201Bell Gardens90220Compton90221Compton90222Compton90230Culver City90240Downey90241Downey90242Downey90247Gardena90249Gardena90250Hawthorne90255Huntington Park90260Lawndale90262Lynwood90266Manhattan Beach90270Maywood90274Palos Verdes Peninsula90275Rancho Palos Verdes90277Redondo Beach90278Redondo Beach90280South Gate90291Venice90292Marina Del Rey90301Inglewood90302Inglewood90303Inglewood90304Inglewood90403Santa Monica90404Santa Monica90405Santa Monica90501Torrance90503Torrance90504Torrance90505Torrance90601Whittier90602Whittier90604Whittier90605Whittier90606Whittier90620Buena Park90621Buena Park90630Cypress90631La Habra90638La Mirada90640Montebello90650Norwalk90660Pico Rivera90680Stanton90703Cerritos90706Bellflower90710Harbor City90712Lakewood90713Lakewood90717Lomita90720Los Alamitos90723Paramount90731San Pedro90732San Pedro90740Seal Beach90744Wilmington90745Carson90746Carson90802Long Beach90803Long Beach90804Long Beach90805Long Beach90806Long Beach90807Long Beach90808Long Beach90810Long Beach90813Long Beach90814Long Beach90815Long Beach91001Altadena91006Arcadia91007Arcadia91010Duarte91016Monrovia91030South Pasadena91042Tujunga91103Pasadena91104Pasadena91106Pasadena91107Pasadena91201Glendale91202Glendale91205Glendale91206Glendale91214La Crescenta91301Agoura Hills91302Calabasas91303Canoga Park91304Canoga Park91306Winnetka91307West Hills91311Chatsworth91316Encino91320Newbury Park91321Newhall91324Northridge91325Northridge91326Porter Ranch91331Pacoima91335Reseda91340San Fernando91342Sylmar91343North Hills91344Granada Hills91350Santa Clarita91351Canyon Country91352Sun Valley91354Valencia91355Valencia91356Tarzana91360Thousand Oaks91362Thousand Oaks91364Woodland Hills91367Woodland Hills91384Castaic91387Canyon Country91401Van Nuys91402Panorama City91403Sherman Oaks91405Van Nuys91406Van Nuys91411Van Nuys91423Sherman Oaks91504Burbank91505Burbank91601North Hollywood91604Studio City91605North Hollywood91606North Hollywood91607Valley Village91701Rancho Cucamonga91702Azusa91706Baldwin Park91709Chino Hills91710Chino91711Claremont91722Covina91724Covina91730Rancho Cucamonga91731El Monte91732El Monte91733South El Monte91737Rancho Cucamonga91739Rancho Cucamonga91740Glendora91741Glendora91744La Puente91745Hacienda Heights91746La Puente91748Rowland Heights91750La Verne91752Mira Loma91754Monterey Park91755Monterey Park91761Ontario91762Ontario91763Montclair91764Ontario91765Diamond Bar91766Pomona91767Pomona91768Pomona91770Rosemead91773San Dimas91775San Gabriel91776San Gabriel91780Temple City91784Upland91786Upland91789Walnut91790West Covina91791West Covina91792West Covina91801Alhambra91803Alhambra91910Chula Vista91911Chula Vista91913Chula Vista91915Chula Vista91932Imperial Beach91941La Mesa91942La Mesa91945Lemon Grove91950National City91977Spring Valley92008Carlsbad92009Carlsbad92011Carlsbad92019El Cajon92020El Cajon92021El Cajon92024Encinitas92025Escondido92026Escondido92027Escondido92028Fallbrook92037La Jolla92040Lakeside92054Oceanside92056Oceanside92057Oceanside92058Oceanside92064Poway92065Ramona92069San Marcos92071Santee92078San Marcos92081Vista92083Vista92084Vista92101San Diego92102San Diego92103San Diego92104San Diego92105San Diego92106San Diego92107San Diego92108San Diego92109San Diego92110San Diego92111San Diego92113San Diego92114San Diego92115San Diego92116San Diego92117San Diego92119San Diego92120San Diego92121San Diego92122San Diego92123San Diego92124San Diego92126San Diego92127San Diego92128San Diego92129San Diego92130San Diego92131San Diego92135San Diego92136San Diego92139San Diego92140San Diego92145San Diego92154San Diego92173San Ysidro92179San Diego92201Indio92203Indio92211Palm Desert92220Banning92223Beaumont92227Brawley92231Calexico92234Cathedral City92236Coachella92240Desert Hot Springs92243El Centro92251Imperial92253La Quinta92260Palm Desert92262Palm Springs92277Twentynine Palms92284Yucca Valley92301Adelanto92307Apple Valley92308Apple Valley92311Barstow92316Bloomington92324Colton92335Fontana92336Fontana92337Fontana92345Hesperia92346Highland92354Loma Linda92373Redlands92374Redlands92376Rialto92392Victorville92394Victorville92395Victorville92399Yucaipa92404San Bernardino92405San Bernardino92407San Bernardino92410San Bernardino92411San Bernardino92501Riverside92503Riverside92504Riverside92505Riverside92506Riverside92507Riverside92508Riverside92509Jurupa Valley92530Lake Elsinore92532Lake Elsinore92543Hemet92544Hemet92545Hemet92551Moreno Valley92553Moreno Valley92555Moreno Valley92557Moreno Valley92562Murrieta92563Murrieta92570Perris92571Perris92582San Jacinto92583San Jacinto92584Menifee92585Menifee92591Temecula92592Temecula92595Wildomar92596Winchester92602Irvine92604Irvine92606Irvine92612Irvine92614Irvine92618Irvine92620Irvine92626Costa Mesa92627Costa Mesa92629Dana Point92630Lake Forest92646Huntington Beach92647Huntington Beach92648Huntington Beach92649Huntington Beach92651Laguna Beach92653Laguna Hills92656Aliso Viejo92660Newport Beach92663Newport Beach92672San Clemente92673San Clemente92675San Juan Capistrano92677Laguna Niguel92679Trabuco Canyon92683Westminster92688Rancho Santa Margarita92691Mission Viejo92692Mission Viejo92694Ladera Ranch92701Santa Ana92703Santa Ana92704Santa Ana92705Santa Ana92706Santa Ana92707Santa Ana92708Fountain Valley92780Tustin92782Tustin92801Anaheim92802Anaheim92804Anaheim92805Anaheim92806Anaheim92807Anaheim92821Brea92831Fullerton92832Fullerton92833Fullerton92835Fullerton92840Garden Grove92841Garden Grove92843Garden Grove92844Garden Grove92860Norco92867Orange92868Orange92869Orange92870Placentia92879Corona92880Eastvale92881Corona92882Corona92883Corona92886Yorba Linda93001Ventura93003Ventura93004Ventura93010Camarillo93012Camarillo93021Moorpark93030Oxnard93033Oxnard93035Oxnard93036Oxnard93041Port Hueneme93060Santa Paula93063Simi Valley93065Simi Valley93101Santa Barbara93105Santa Barbara93117Goleta93212Corcoran93215Delano93230Hanford93245Lemoore93257Porterville93263Shafter93274Tulare93277Visalia93280Wasco93291Visalia93292Visalia93301Bakersfield93304Bakersfield93305Bakersfield93306Bakersfield93307Bakersfield93308Bakersfield93309Bakersfield93311Bakersfield93312Bakersfield93313Bakersfield93314Bakersfield93401San Luis Obispo93405San Luis Obispo93420Arroyo Grande93422Atascadero93436Lompoc93444Nipomo93446Paso Robles93454Santa Maria93455Santa Maria93458Santa Maria93534Lancaster93535Lancaster93536Lancaster93550Palmdale93551Palmdale93552Palmdale93555Ridgecrest93561Tehachapi93610Chowchilla93611Clovis93612Clovis93618Dinuba93619Clovis93635Los Banos93637Madera93638Madera93654Reedley93657Sanger93662Selma93702Fresno93703Fresno93704Fresno93705Fresno93706Fresno93710Fresno93711Fresno93720Fresno93722Fresno93725Fresno93726Fresno93727Fresno93901Salinas93905Salinas93906Salinas93907Salinas93933Marina93940Monterey93955Seaside93960Soledad94002Belmont94010Burlingame94014Daly City94015Daly City94024Los Altos94025Menlo Park94030Millbrae94040Mountain View94043Mountain View94044Pacifica94061Redwood City94062Redwood City94063Redwood City94066San Bruno94070San Carlos94080South San Francisco94085Sunnyvale94086Sunnyvale94087Sunnyvale94089Sunnyvale94102San Francisco94103San Francisco94105San Francisco94107San Francisco94108San Francisco94109San Francisco94110San Francisco94111San Francisco94112San Francisco94114San Francisco94115San Francisco94116San Francisco94117San Francisco94118San Francisco94121San Francisco94122San Francisco94123San Francisco94124San Francisco94127San Francisco94129San Francisco94130San Francisco94131San Francisco94132San Francisco94133San Francisco94134San Francisco94158San Francisco94303Palo Alto94306Palo Alto94401San Mateo94402San Mateo94403San Mateo94404San Mateo94501Alameda94503American Canyon94506Danville94509Antioch94510Benicia94513Brentwood94518Concord94520Concord94521Concord94523Pleasant Hill94526Danville94530El Cerrito94531Antioch94533Fairfield94534Fairfield94536Fremont94538Fremont94539Fremont94541Hayward94544Hayward94545Hayward94546Castro Valley94547Hercules94549Lafayette94550Livermore94551Livermore94553Martinez94555Fremont94558Napa94559Napa94560Newark94561Oakley94565Pittsburg94566Pleasanton94568Dublin94577San Leandro94578San Leandro94580San Lorenzo94582San Ramon94583San Ramon94585Suisun City94587Union City94588Pleasanton94589Vallejo94590Vallejo94591Vallejo94596Walnut Creek94597Walnut Creek94598Walnut Creek94601Oakland94602Oakland94603Oakland94605Oakland94606Oakland94607Oakland94608Emeryville94609Oakland94610Oakland94611Oakland94612Oakland94618Oakland94619Oakland94621Oakland94704Berkeley94801Richmond94803El Sobrante94804Richmond94806San Pablo94901San Rafael94903San Rafael94928Rohnert Park94941Mill Valley94947Novato94952Petaluma94954Petaluma95003Aptos95008Campbell95014Cupertino95020Gilroy95023Hollister95032Los Gatos95035Milpitas95037Morgan Hill95050Santa Clara95051Santa Clara95054Santa Clara95060Santa Cruz95062Santa Cruz95070Saratoga95076Watsonville95110San Jose95111San Jose95112San Jose95113San Jose95116San Jose95117San Jose95118San Jose95119San Jose95120San Jose95121San Jose95122San Jose95123San Jose95124San Jose95125San Jose95126San Jose95127San Jose95128San Jose95129San Jose95130San Jose95131San Jose95132San Jose95133San Jose95134San Jose95135San Jose95136San Jose95138San Jose95139San Jose95148San Jose95204Stockton95205Stockton95206Stockton95207Stockton95209Stockton95210Stockton95212Stockton95215Stockton95219Stockton95240Lodi95242Lodi95301Atwater95307Ceres95330Lathrop95336Manteca95337Manteca95340Merced95341Merced95348Merced95350Modesto95351Modesto95354Modesto95355Modesto95356Modesto95358Modesto95361Oakdale95363Patterson95367Riverbank95370Sonora95376Tracy95377Tracy95380Turlock95382Turlock95391Tracy95401Santa Rosa95403Santa Rosa95404Santa Rosa95405Santa Rosa95407Santa Rosa95409Santa Rosa95472Sebastopol95476Sonoma95482Ukiah95492Windsor95501Eureka95503Eureka95531Crescent City95603Auburn95608Carmichael95610Citrus Heights95616Davis95618Davis95620Dixon95621Citrus Heights95624Elk Grove95628Fair Oaks95630Folsom95632Galt95648Lincoln95660North Highlands95661Roseville95662Orangevale95667Placerville95670Rancho Cordova95677Rocklin95678Roseville95682Shingle Springs95687Vacaville95688Vacaville95691West Sacramento95695Woodland95746Granite Bay95747Roseville95757Elk Grove95758Elk Grove95762El Dorado Hills95765Rocklin95776Woodland95811Sacramento95814Sacramento95815Sacramento95816Sacramento95817Sacramento95818Sacramento95819Sacramento95820Sacramento95821Sacramento95822Sacramento95823Sacramento95824Sacramento95825Sacramento95826Sacramento95827Sacramento95828Sacramento95829Sacramento95831Sacramento95832Sacramento95833Sacramento95834Sacramento95835Sacramento95838Sacramento95841Sacramento95842Sacramento95843Antelope95864Sacramento95901Marysville95926Chico95928Chico95945Grass Valley95961Olivehurst95966Oroville95969Paradise95973Chico95991Yuba City95993Yuba City96001Redding96002Redding96003Redding96007Anderson96080Red Bluff96150South Lake Tahoe