Natural Disaster Risk in Cardiff By The Sea
California
Risk Summary for Cardiff By The Sea
Cardiff By The Sea scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Cardiff By The Sea, California
Cardiff By The Sea is a city of approximately 11,100 residents in San Diego County, in the southwestern United States with Pacific Coast influence. The area experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Cardiff By The Sea.
FEMA rates Cardiff By The Sea's composite natural disaster risk at 7.4 out of 10 — high risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for landslide and wildfire risk in their preparedness planning.
Cardiff By The Sea's risk score, slightly above the 5.9/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for San Diego County, the highest-scoring are earthquake, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Cardiff By The Sea residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 Cardiff By The Sea: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
Local Factors for Cardiff By The Sea
These city-level factors differentiate Cardiff By The Sea from other communities in San Diego County and provide geographic context for its hazard exposure.
Population
11,100
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Mild Temperate
Latitude 33.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 10.0/10
Coordinates
33.0222° N, 117.2739° W
San Diego 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 Cardiff By The Sea
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cardiff By The Sea
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.