Government risk assessment for homebuyers considering 95014. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
C
Estimated Risk Exposure
$35,000
Ranked #21 of 25 Bay Area zip codes analyzed
48
Risk Score (0–100)
Identified Risks
⚡San Andreas Fault <6mi
🔥Wildfire moderate
⚠️20 FEMA disasters
Risk Assessment Detail
Foothill areas near Stevens Creek have moderate wildfire risk. Within broader San Andreas Fault zone. Stevens Creek flood areas in lower elevations.
FEMA Flood ZoneMinimal
Nearest FaultSan Andreas Fault (6 miles)
Wildfire SeverityModerate (foothills)
Liquefaction RiskMinimal
FEMA Disaster Declarations20 since 2000
CountySanta Clara County, CA
💰 Insurance & Cost Implications
Moderate risk profile but extreme home values mean any event has major financial impact. Foothill properties should evaluate wildfire coverage.
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Frequently Asked Questions
Is 95014 in a flood zone?
Most of Cupertino (95014) 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 Cupertino?
Cupertino is located 6 miles from the San Andreas Fault. Liquefaction risk is minimal in this area, but seismic shaking from nearby faults is still a concern. Santa Clara County has experienced 20 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 Cupertino in a wildfire zone?
CAL FIRE has designated portions of Cupertino as Moderate (foothills) 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 $35,000 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