California Homeowners Program
Value by county
Monterey holds 53.6% of scheduled value. The book spans 52 California counties. The chart shows the eight largest counties by value, with the rest grouped.
Scheduled value by county
| County | Properties | Value | % of value |
|---|---|---|---|
| Monterey | 9,566 | $11.70B | 53.6% |
| Santa Clara | 712 | $4.20B | 19.2% |
| San Benito | 1,758 | $1.52B | 7.0% |
| Santa Cruz | 472 | $769.3M | 3.5% |
| Alameda | 61 | $719.7M | 3.3% |
| San Diego | 31 | $537.6M | 2.5% |
| Orange | 31 | $422.6M | 1.9% |
| San Mateo | 40 | $236.6M | 1.1% |
| Other (44 counties) | 690 | $1.72B | 7.9% |
Value bands and construction
Value bands cover the 13,292 properties with a scheduled value. Wood frame is 85.1% of the 13,361 properties. Construction is shown as recorded, including rows with no construction type.
Properties by value band
Construction
Year built
Year built relative to California seismic-code milestones. Recorded for 11,895 of 13,361 properties. Median year built: 1971.
Properties by construction era (n=11,895)
| Era | Properties | % of recorded | Context |
|---|---|---|---|
| Pre-1933 | 718 | 6.0% | Before the Long Beach earthquake code |
| 1933–1971 | 5,215 | 43.8% | Before the Sylmar earthquake |
| 1971–1994 | 3,364 | 28.3% | Before the Northridge earthquake |
| 1994–2008 | 1,940 | 16.3% | Post-Northridge |
| 2008+ | 658 | 5.5% | Modern code era |
Size and stories
Living area is recorded for 13,116 properties. Median floor area is 1,696 sq ft. Stories are shown as recorded on the property.
Floor area (n=13,116)
Stories
Work recorded on the house
2,208 of 13,361 properties have a permit on file, 11,394 permits in all. Each permit is filed under one category, so a home can appear in more than one row. Solar is named in the permit text of 594 homes (831 permits); most of those are filed under roofing or electrical. Seismic retrofit language — retrofit, cripple-wall bracing, soft-story work, or foundation bolting — appears on 47 homes (61 permits). The seismic / structural category is wider: 89 homes and 120 permits, including general foundation and structural work.
Homes with a permit in the category
| Category | Homes | Permits | Share of homes with permits |
|---|---|---|---|
| Roofing | 1,363 | 2,408 | 61.7% |
| Other | 1,290 | 3,202 | 58.4% |
| Electrical | 765 | 1,633 | 34.6% |
| Renovation / remodel | 736 | 1,748 | 33.3% |
| Plumbing | 702 | 1,391 | 31.8% |
| HVAC | 285 | 434 | 12.9% |
| New construction | 166 | 171 | 7.5% |
| Fire / life safety | 131 | 201 | 5.9% |
| Seismic / structural | 89 | 120 | 4.0% |
| Pool / spa | 62 | 80 | 2.8% |
Distance to the nearest fault
Distance is recorded for 4,376 of 13,361 properties. Median distance among those is 1.64 km.
Age class of the nearest fault
Geologic age class of the nearest mapped fault, for the same 4,376 properties that have a fault distance.
Majelyn Earthquake Risk Score
MERS is a 0–100 score for one property. Average across this book is 43.4. The band counts below are the full 13,361 properties. A book-level view of correlated earthquake loss is an Accumulation, not the average of these scores.
| Band | Properties | % of book |
|---|---|---|
| Low | 120 | 0.9% |
| Moderate | 4,035 | 30.2% |
| Elevated | 7,850 | 58.8% |
| High | 1,354 | 10.1% |
| Extreme | 2 | 0.0% |
NEHRP site class
Site class is recorded for 4,376 of 13,361 properties. Classes follow ASCE 7 site-class letters.
Site peak ground acceleration
2,475-year site peak ground acceleration, recorded for 13,361 properties. Median is 0.77 g.
Mapped seismic hazard zones
Share of the 13,361 properties that fall inside a mapped regulatory fault zone, liquefaction zone, or landslide zone. A property can sit in more than one.
| Zone | Properties | % of book |
|---|---|---|
| Regulatory fault zone | 37 | 0.3% |
| Liquefaction zone | 113 | 0.8% |
| Landslide zone | 2 | 0.0% |
Flood zone
Flood zone is recorded for 4,375 of 13,361 properties. Percents are of that recorded subset.
| Zone | Properties | % of recorded |
|---|---|---|
| Zone X (minimal) | 4,290 | 98.1% |
| Zone A family (1% annual chance) | 85 | 1.9% |
Wildfire risk percentile
National percentile rank from 0 to 1, higher meaning greater risk to structures. Recorded for 4,376 of 13,361 properties.