Government risk assessment for homebuyers considering 94577. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
D
Estimated Risk Exposure
$58,000
Ranked #12 of 25 Bay Area zip codes analyzed
65
Risk Score (0–100)
Identified Risks
⚡Hayward Fault <2mi
🌊FEMA flood zones
⚠️22 FEMA disasters
🏚️Liquefaction
Risk Assessment Detail
Hayward Fault runs along eastern hills. Creek flood zones throughout lower areas. Bay-side liquefaction zones. Alameda County's extensive disaster history with 22 FEMA declarations.
FEMA Flood ZoneAE (creek areas)
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
Earthquake insurance important given Hayward Fault proximity. Flood insurance for creek-adjacent properties.
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 94577 in a flood zone?
Yes — FEMA maps show flood zone designation AE (creek areas) in parts of San Leandro. 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 San Leandro?
San Leandro 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 San Leandro?
San Leandro is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 94577. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $58,000 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