Government risk assessment for homebuyers considering 94560. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
F
Estimated Risk Exposure
$91,000
Ranked #2 of 25 Bay Area zip codes analyzed
85
Risk Score (0–100)
Identified Risks
🌊FEMA AE flood zone
⚡Hayward Fault <2mi
🏚️Liquefaction zone
⚠️22 FEMA disasters
Risk Assessment Detail
Directly on the Hayward Fault trace in eastern sections. FEMA AE flood zone in western bay-side areas. Alameda County has 22 FEMA disaster declarations — the most of any Bay Area county. Extensive liquefaction mapping on bay mud.
FEMA Flood ZoneAE
Nearest FaultHayward Fault (< 2 miles)
Wildfire SeverityNot mapped in fire zone
Liquefaction RiskYes — mapped by CGS
FEMA Disaster Declarations22 since 2000
CountyAlameda County, CA
💰 Insurance & Cost Implications
Mandatory flood insurance in western sections. Earthquake insurance strongly recommended given Hayward Fault proximity.
Check Your Exact Address
Zip code risk varies by block. Get a precise risk report for any property address — free, instant, no signup.
Queries 6 government APIs in parallel. Results in ~10 seconds.
Frequently Asked Questions
Is 94560 in a flood zone?
Yes — FEMA maps show flood zone designation AE in parts of Newark. 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 Newark?
Newark is located < 2 miles from the Hayward Fault. The California Geological Survey has mapped liquefaction zones in this area, meaning the ground could become unstable during a major earthquake. Alameda County has experienced 22 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 Newark?
Newark is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 94560. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $91,000 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