Government risk assessment for homebuyers considering 94025. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
C
Estimated Risk Exposure
$32,000
Ranked #22 of 25 Bay Area zip codes analyzed
45
Risk Score (0–100)
Identified Risks
⚡San Andreas Fault <6mi
🌊FEMA flood zones (limited)
⚠️17 FEMA disasters
Risk Assessment Detail
Some flood zones along San Francisquito Creek, which flooded significantly in 1998. Within San Andreas Fault influence zone. Generally well-drained but creek-adjacent properties at risk.
FEMA Flood ZoneAE (San Francisquito Creek)
Nearest FaultSan Andreas Fault (6 miles)
Wildfire SeverityNot mapped in fire zone
Liquefaction RiskMinimal
FEMA Disaster Declarations17 since 2000
CountySan Mateo County, CA
💰 Insurance & Cost Implications
San Francisquito Creek has a real flood history. Creek-adjacent properties should carry flood insurance regardless of FEMA zone status.
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Frequently Asked Questions
Is 94025 in a flood zone?
Yes — FEMA maps show flood zone designation AE (San Francisquito Creek) in parts of Menlo Park. Properties in FEMA Special Flood Hazard Areas (zones starting with A or V) require mandatory flood insurance if you have a federally-backed mortgage. Premiums typically range from $2,000 to $4,500 per year.
What is the earthquake risk in Menlo Park?
Menlo Park is located 6 miles from the San Andreas Fault. Liquefaction risk is minimal in this area, but seismic shaking from nearby faults is still a concern. San Mateo County has experienced 17 FEMA disaster declarations since 2000. The California Earthquake Authority (CEA) offers residential earthquake insurance — coverage is optional but recommended this close to active faults.
Are there wildfire risks in Menlo Park?
Menlo Park is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 94025. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $32,000 exposure calculated?
The exposure estimate is based on industry-standard cost models: NFIP average flood insurance claims, USGS earthquake damage probability models, CAL FIRE wildfire rebuilding cost data, and historical disaster costs from OpenFEMA. It represents the estimated financial impact of the identified risks based on what these events actually cost homeowners. Individual properties will vary based on exact location, construction, elevation, and proximity to specific hazards.
Data Sources & Methodology
Flood zones: FEMA National Flood Hazard Layer (NFHL) — msc.fema.gov