California E&S Insurance

Climate change will affect everyone, how so varies by location. What specifically are you focused on? Storms, floods, fires, sea level rising, extreme heat, extreme cold, drought, wind events? Once you break up each of those, then you can assign a point system for each region. Sacramento County will be subject to atmospheric rivers, extreme temps and potential flooding. Compare that with Sonoma, Lake, Mendocino, San Diego, Santa Cruz, Solano, Napa, Trinity, Los Angeles County's fires, Sacramento will experience more of a slow boil of a lobster scenario of climate change than a movie-level disaster situation. Atmospheric rivers cause flooding in the northwest. Drought in the Sierras will cause indefinite fires in late summer and fall, same with grassland and oak woodland regions. Monterey County is already reporting faster than predicted sea level rise. It is my personal opinion that the entire central valley is a refuge zone for wildfire victims to relocate. Don't worry too much about your presentation being perfect. If you're professor has criticism, that's okay. Keep up the good work! Climate change is a life or death tragedy. Looking at your map again, There's only a sliver of the northwest that is free from fires, very close to the coast. The Mendo and Sonoma Coasts are beginning to experience wildfires more frequently, as is the entire central coast, think of the images of the Santa Cruz CZU fires going all the way to the water. A recent fire in Bishop is really throwing a lot of predictions out the window as well. A fire in the high desert in February is something to pay attention to. My refuge would be all of the central valley and maybe that high desert area south of the central valley that you circled and only very west Mendocino, Humboldt and Del Norte Counties. Sonoma County is a high fire risk area and Marin County isn't going to that far behind as temp rise. Remember that some of our largest wildfires were not forested, but grassland and oak woodland. That means the grass regrows every 6-12 months, so you're right, rainfall helps regrow that and then dry conditions creat a recipe for wildfire, but a huge part of that is the wind events. There is some evidence that the current wind events are not due to climate change but rather a worldwide increase in winds expected to last about a decade. Lack of precipitation paired with high winds is a big reason for grassland fires.

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