Property Risk Report: San Francisco (Civic Center), CA 94102
Government risk assessment for homebuyers considering 94102. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
D
Estimated Risk Exposure
$59,000
Ranked #11 of 25 Bay Area zip codes analyzed
66
Risk Score (0–100)
Identified Risks
🏚️Liquefaction zone
⚡San Andreas Fault <8mi
⚠️15 FEMA disasters
💨Air quality
Risk Assessment Detail
Built on former marshland — CGS liquefaction zone. Within San Andreas Fault damage zone. 15 FEMA disaster declarations for San Francisco County. Dense urban area with aging infrastructure.
FEMA Flood ZoneMinimal
Nearest FaultSan Andreas Fault (8 miles)
Wildfire SeverityNot mapped in fire zone
Liquefaction RiskYes — mapped by CGS
FEMA Disaster Declarations15 since 2000
CountySan Francisco County, CA
💰 Insurance & Cost Implications
CEA earthquake insurance recommended — marshland foundation amplifies seismic shaking. Liquefaction zone designation may affect property values.
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Frequently Asked Questions
Is 94102 in a flood zone?
Most of San Francisco (Civic Center) (94102) is outside mapped FEMA flood zones. However, localized flooding can occur in creek-adjacent and low-lying areas. Check your specific address for precise flood zone determination.
What is the earthquake risk in San Francisco (Civic Center)?
San Francisco (Civic Center) is located 8 miles from the San Andreas Fault. The California Geological Survey has mapped liquefaction zones in this area, meaning the ground could become unstable during a major earthquake. San Francisco County has experienced 15 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 San Francisco (Civic Center)?
San Francisco (Civic Center) is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 94102. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $59,000 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