Government risk assessment for homebuyers considering 95134. Data from FEMA, USGS, CAL FIRE, CGS, OpenFEMA, and EPA.
D
Estimated Risk Exposure
$56,000
Ranked #13 of 25 Bay Area zip codes analyzed
64
Risk Score (0–100)
Identified Risks
🌊FEMA flood zone (Coyote Creek)
⚡Calaveras Fault
🏚️Liquefaction
⚠️20 FEMA disasters
Risk Assessment Detail
Areas along Coyote Creek severely flooded in 2017 when water was released from Anderson Dam. FEMA flood zones still active. Calaveras Fault runs nearby. Liquefaction risk in some areas.
FEMA Flood ZoneAE (Coyote Creek)
Nearest FaultCalaveras Fault (5 miles)
Wildfire SeverityNot mapped in fire zone
Liquefaction RiskYes — mapped by CGS
FEMA Disaster Declarations20 since 2000
CountySanta Clara County, CA
💰 Insurance & Cost Implications
Coyote Creek flooding in 2017 displaced 14,000 residents. Flood insurance essential for creek-adjacent homes.
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Frequently Asked Questions
Is 95134 in a flood zone?
Yes — FEMA maps show flood zone designation AE (Coyote Creek) in parts of San Jose (North). 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 Jose (North)?
San Jose (North) is located 5 miles from the Calaveras Fault. The California Geological Survey has mapped liquefaction zones in this area, meaning the ground could become unstable during a major earthquake. 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.
Are there wildfire risks in San Jose (North)?
San Jose (North) is not in a CAL FIRE-designated wildfire severity zone. Wildfire risk is minimal for most properties in 95134. This is one area where this zip code has a lower risk profile compared to hillside and canyon communities.
How is the $56,000 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