Government risk assessment for homebuyers considering 94043. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
D
Estimated Risk Exposure
$72,000
Ranked #6 of 25 Bay Area zip codes analyzed
74
Risk Score (0–100)
Identified Risks
🌊FEMA flood zones (Stevens Creek)
⚡San Andreas Fault <8mi
🏚️Liquefaction
⚠️20 FEMA disasters
Risk Assessment Detail
North Bayshore areas in FEMA flood zones along Stevens Creek and Permanente Creek. Liquefaction zones near bay. Within influence zone of both San Andreas and Hayward faults. Tech campus area sits in mapped flood zone.
FEMA Flood ZoneAE (North Bayshore)
Nearest FaultSan Andreas / Hayward (8 miles)
Wildfire SeverityNot mapped in fire zone
Liquefaction RiskYes — mapped by CGS
FEMA Disaster Declarations20 since 2000
CountySanta Clara County, CA
💰 Insurance & Cost Implications
Flood insurance required for North Bayshore properties. $2M+ homes in mapped FEMA flood zones is a significant financial exposure.
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Frequently Asked Questions
Is 94043 in a flood zone?
Yes — FEMA maps show flood zone designation AE (North Bayshore) in parts of Mountain View. 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 Mountain View?
Mountain View is located 8 miles from the San Andreas / Hayward. The California Geological Survey has mapped liquefaction zones in this area, meaning the ground could become unstable during a major earthquake. Santa Clara County has experienced 20 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 Mountain View?
Mountain View is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 94043. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $72,000 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