🌍 ClimateRiskCheck

Natural Disaster Risk in Ben Lomond

California

6.2out of 10
High Risk

Risk Summary for Ben Lomond

Ben Lomond scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tsunami.

Top Hazards

Tsunami Drought Earthquake

All 18 Hazard Scores

Tsunami
10.0
Earthquake
9.9
Drought
9.9
Landslide
9.9
Wildfire
9.8
Coastal Flooding
9.3
Extreme Heat
8.8
Avalanche
8.2
Lightning
6.4
Volcanic Activity
5.1
Hail
4.2
Winter Weather
4.0
Tornado
2.9
Hurricane
2.4
Strong Wind
1.9
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Ben Lomond
6.2
California avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Ben Lomond, California

Located in the western mountain region near the Pacific Coast in Santa Cruz County, Ben Lomond is a town of roughly 7,277 residents. The Mediterranean climate that characterizes this part of California β€” marked by dry summers and mild, wet winters with pronounced drought cycles β€” directly influences the types and severity of natural hazards present, making Ben Lomond a community where hazard awareness has real practical value.

FEMA rates Ben Lomond's composite natural disaster risk at 6.2 out of 10 β€” high risk. Tsunami risk is the primary coastal hazard, driven by the area's proximity to seismically active offshore zones capable of generating ocean waves that inundate low-lying coastlines. Residents should also account for drought and earthquake risk in their preparedness planning.

Relative to other U.S. communities, Ben Lomond's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by tsunami and drought, as measured by FEMA across Santa Cruz County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Ben Lomond residents benefit from taking preparedness seriously. Reviewing insurance coverage for tsunami and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Ben Lomond: Tsunami preparedness

  • Learn your community evacuation routes and the location of designated assembly areas.
  • Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
  • If you feel strong shaking near the coast, move to high ground immediately β€” do not wait for an official warning.

Local Factors for Ben Lomond

These city-level factors differentiate Ben Lomond from other communities in Santa Cruz County and provide geographic context for its hazard exposure.

Population

7,277

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 37.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

37.0984Β° N, 122.0893Β° W

Santa Cruz County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Ben Lomond

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Ben Lomond

Other cities in California

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.