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Frequently Asked Questions
Is 94530 in a flood zone?
Most of El Cerrito (94530) 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 El Cerrito?
El Cerrito is located < 1 mile from the Hayward Fault. Liquefaction risk is minimal in this area, but seismic shaking from nearby faults is still a concern. Contra Costa County has experienced 18 FEMA disaster declarations since 2000. The California Earthquake Authority (CEA) offers residential earthquake insurance — coverage is optional but recommended this close to active faults.
Is El Cerrito in a wildfire zone?
CAL FIRE has designated portions of El Cerrito as Moderate Fire Hazard Severity Zone (FHSZ). This means defensible space requirements apply, insurance premiums may be higher, and some insurers may decline coverage. Check the CAL FIRE FHSZ viewer for your exact property.
How is the $47,000 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