Property Risk Report: Oakland (Montclair), CA 94611
Government risk assessment for homebuyers considering 94611. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
C
Estimated Risk Exposure
$46,000
Ranked #17 of 25 Bay Area zip codes analyzed
57
Risk Score (0–100)
Identified Risks
⚡Hayward Fault <2mi
🔥Wildfire very high
⚠️22 FEMA disasters
Risk Assessment Detail
Hill area devastated by the 1991 Oakland Hills fire that killed 25 people and destroyed over 3,000 homes. CAL FIRE Very High severity zone. Hayward Fault nearby. Eucalyptus-heavy vegetation increases fire risk.
FEMA Flood ZoneMinimal
Nearest FaultHayward Fault (2 miles)
Wildfire SeverityVery High
Liquefaction RiskMinimal
FEMA Disaster Declarations22 since 2000
CountyAlameda County, CA
💰 Insurance & Cost Implications
Wildfire insurance critical — this area burned catastrophically in 1991. Some insurers have stopped writing new policies in this zone. FAIR Plan may be needed.
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Frequently Asked Questions
Is 94611 in a flood zone?
Most of Oakland (Montclair) (94611) 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 Oakland (Montclair)?
Oakland (Montclair) is located 2 miles from the Hayward Fault. Liquefaction risk is minimal in this area, but seismic shaking from nearby faults is still a concern. 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.
Is Oakland (Montclair) in a wildfire zone?
CAL FIRE has designated portions of Oakland (Montclair) as Very High 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 $46,000 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