Community-Level
Property Risk Analysis

September 23, 2025

3878  Lafayette Street, Riverside, CA 92503
County: Riverside, CA, USA

GPS Location: 33°56'45.39" N, 117°24'36.88" W

Report Overview 

Future Proof Community-Level Reports are a comprehensive ranking of current and future extreme weather risks to consider in your area. This information will empower you with a set recommendations to protect yourself, loved ones, and your property [investment].

Based on your property’s postal code risk calculations which incorporate local disaster factors along with surrounding conditions such as neighboring properties, daily climate (humidity, wind, proximity to water), fire protection, and community support services that influence survivability during extreme weather.

Remediation suggestions from Magic Window® address community-level risk reduction. For property-specific construction plans, budgets, and specifications, subscribers can use the upcoming Future Proof – XHome Survey™ application for tailored remodeling recommendations, including the materials and construction methods required for your unique property.

What’s inside and Why

In the next decade, $1.47 trillion of home value in the United States could vanish as expanding extreme weather dangers are predicted to impact as many as 48 million properties (43.7 % of homes) and 120 million people (35.2% of the population). With insurance safety nets failing and government programs withdrawn, communities are left unprotected.

With an accelerating rate of extreme weather disasters, this report gives you recommendations to be better prepared:

• 36 month + risk outlook for your area
• General recommendations for each hazard in your community area
• Mitigate damages you could incur in a weather event
• Remodeling options and rough costs in your area
• Ways to qualify for insurance discounts and/or keep your insurance
• Funding sources to help pay for remodeling
• Return on your investment (ROI) calculations
• And more useful information

Selected Hazards Addressed

Extreme Weather Risk Trends

Current and Imminent Future

Environmental hazards in your region are evolving with impacts that require both immediate attention and long-term planning. Homeowners, planners, and investors should consider this perspective when setting your priorities today and preparing for future adaptation. In the chart below, view trends in your area of extreme weather risk changes for specific hazards today, in three years and in 25 years.

Projected Extreme Weather Risk Trends - Today, In 3 Years and 25 Years

Note: Data sources include local and regional climate models, NOAA, FEMA, and IPCC projections

Overview:

• Today: Main threats are wildfire ember exposure, heavy rainfall runoff, and extreme heat days. Seismic is a constant background hazard.
• Next 3 Years: More red-flag days, atmospheric river storms, and hotter summers raise near-term risks.
• In 25 Years: Compounding effects — longer fire seasons, extreme drought, stronger storms, and potential seismic events..

Highlighted Extreme Weather:

 36 Month Projection in Your Area

Summary  

Over the next three years, Riverside is projected to experience higher wildfire danger due to drier vegetation, more intense winter storms leading to localized flooding, and a sharp increase in extreme heat days, with drought continuing to stress water supplies and landscaping. Taking action now through wildfire hardening, drainage improvements, and heat- and drought-resilient upgrades can reduce losses, lower costs, and improve safety.

Local Hazard History (Past 30 Years)

Major Events (Newest first)

• 2025: Riverside County trail closures due to wildfire danger.
• 2019 & 2010: Heavy rain events → localized flooding in the Santa Ana Basin.
• 2012–2016, 2020–22: Severe droughts, with mandatory water restrictions.
• 1992: Landers/Big Bear earthquakes, shaking felt strongly in Riverside.
• 1997–98: El Niño storms, widespread flooding across Southern California.

Why this Matters

The area experiences recurring heat, wildfire, drought, seismic shaking, and storm flooding, confirming the need for proactive mitigation.

Home Vulnerabilities: Recommended Actions & Costs

Overview (Location-Specific): 

This home faces a combination of fire, water, heat, and seismic stresses that require a layered approach to resilience. Wildfire remains the top near-term hazard, making defensible space, ember-resistant vents, and a Class-A roof the highest priority. Flood and stormwater risks can be managed through grading, drainage, and deployable barriers, while extreme heat calls for roof coatings, shade trees, and efficient HVAC upgrades. Persistent drought highlights the importance of xeriscaping, smart irrigation, and rainwater capture. Although seismic risk does not follow a seasonal pattern, the potential impact is severe; retrofitting foundations and securing heavy utilities remain critical long-term protections. By addressing these vulnerabilities in order of probability and cost-effectiveness, homeowners can reduce direct losses, improve comfort and livability, and qualify for insurance discounts and rebates that offset upfront costs.

Extreme Heat

Summary (Location-Specific)

Riverside regularly experiences triple-digit heat. Rising hot days stress roofs, HVAC systems, and increase electricity costs.

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material costs.

Wilfire

Summary (Location-Specific)

This home is in an urban–wildland interface area. Ember-driven ignition of roofs and vents is the top concern, compounded by drought-stressed vegetation and Santa Ana winds.

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material costs.

Drought

Summary (Location-Specific)

Recurring drought cycles increase water restrictions, tree mortality, and wildfire intensity. Landscaping is the most affected system at this property..

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material costs.

Seismic

Summary (Location-Specific)

Riverside is near the San Jacinto and Elsinore faults and within shaking distance of the San Andreas. Earthquakes are unpredictable but pose significant structural and financial risk.

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material costs.

Precipitation

Summary (Location-Specific)

Atmospheric rivers and El Niño events bring intense rainfall. While related to flood hazards, storms also cause roof leaks, gutter overflows, and mudflows post-fire.

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material  costs.

Flood / Flash Flood

Summary (Location-Specific)

The property sits in the Santa Ana River Basin, where localized flooding and ponding can occur in heavy rains, especially during atmospheric river events..

Note: All prices are estimated on available unit prices as of report date. Quantities must be confirmed via a XHome Survey virtual inspection to calculate accurate project labor and material costs.

Insurance Discounts & Savings

Insurance premium costs are escalating due to more frequent and costly disasters. Insurance companies are leaving markets. Property owners either can’t get covered, are facing huge premium increases, and subsequent loss of insurance which leads to home loss and foreclosures.

Mitigating specific risks through home upgrades may make you eligible for premium discounts through your insurance carrier.

Note: Annual savings are based on average insurance discounts, energy/water reductions available in your area, avoidable losses are estimated on your community (actual results may vary).

Note: Submitting documentation and proof is critical for both insurance and public funding. Attach forms when submitting evidence of qualified upgrades.

Funding Sources – Resources for Paying for Remediation

Available resources may assist you with the cost of upgrades listed and recommended in this report. Some sources are tied to hazards, while others are general-purpose.

Note: Before major work, confirm eligibility for rebates or grants—some programs are first-come, first-served and may have funding caps and/or application deadlines.

Savings Summary (Annual Estimates)

Upfront investments in completed resilience upgrades pay off through reduced damage risk, lower premiums, utility savings, and rebate reimbursements.

• Annual savings are based on average insurance discounts, energy/water reductions, and estimated avoided losses (actual results may vary).
• Having documentation and proof is critical for both insurance and public funding; attach forms when submitting evidence of upgrades.
• Before major work, confirm eligibility for rebates or grants—some programs are first-come, first-served and may have deadlines.

Regulations and Policies

Important environmental, insurance, and building code regulations that apply to your region are highlighted in the chart below. State and local requirements that may affect your ability to complete upgrades, qualify for funding, or reduce insurance costs are included. Some programs are mandatory for insurance eligibility, while others are voluntary but provide financial or permitting advantages.

Links and Resources

Below are local and federal agencies, organizations, and programs that support disaster mitigation and resilience upgrades in your region.

Community Resources

By tackling America’s housing resilience crisis, we create value for homeowners, contractors, insurers, and investors. This unique heart-and-profit opportunity uses AI to safeguard homes, save lives, and prevent possible financial collapse—building a safer, more resilient future for families and children while delivering a private-sector solution to a growing public crisis.

Annual Subscription

Like the weather, risk is constantly changing. A Future Proof subscription levels the playing field between homeowners and insurance carriers by providing annual, property-specific risk reports. Your subscription includes one property address report and renews annually.

Powered by IBM’s supercomputers—processing global data from academic institutions and agencies taking over two weeks—our forward-looking models deliver unmatched risk analysis. Just because your property is in the clear today means it will be tomorrow.. your insurance carrier knows, good idea you should too.

Your subscription keeps you ahead of shifting threats with annual updates and new features like our coming extreme weather alert system, enhancing protection and prevention for greater personal safety.

As disaster footprints expand and government support declines, staying informed is critical. Future Proof helps you protect your home, your family, and your future—because chance favors the prepared mind.

Muti-property Subscriptions

Own vacation properties, duplexes, or apartment buildings? Future Proof offers discounted multi-property address packages—each including added benefits like tailored construction enhancements and strategies to reduce costs. Packages renew on every property in your catalog annually

Methodology and Data Sources

Future Proof’s methodology is simple: combine top insurance risk models with imaging from Apple, Google, EagleView, and our XHome Survey™ app to digitally deconstruct each property with AI.

We identify vulnerabilities, apply code-compliant engineering, and use climate-resilient materials to virtually remodel homes for durability. Leveraging 500B+ data points from IBM, NOAA, FEMA, and The Weather Co., we assess risks against America’s aging housing stock—averaging 60 years old.

With computer vision, we detect flaws, apply best practices, and deliver affordable, effective plans—then connect you with suppliers, contractors, and financing. We build a detailed property dossier and generate innovative AI-driven solutions no other service can match—helping protect families and addressing the growing insurance crisis.

Terms in our Universe

Remediation & Risk

In insurance and mortgage underwriting, remediation means upgrades that reduce a property’s vulnerability to hazards like fire, flood, or extreme weather. These improvements lower risk scores, qualify homeowners for premium discounts, grants, tax credits, and better mortgage terms. For lenders, remediation protects collateral value and reduces claim losses.

Insurance Underwriting

Insurance operates like a casino—betting your home won’t be hit. When too many properties in an area share high risk, insurers raise premiums, restrict coverage, or exit altogether. Future Proof™ changes this dynamic by combining precise risk identification on your property with engineered remediation. We help harden structures, reduce claims, and keep insurance viable for both owners and carriers.

Discounts & Incentives

Insurers use risk tables that factor in claims history, community data, and construction details such as materials, stories, elevation, and exposure to wildfire, flood, or storms. Future Proof analysis employs this data.

Programs & Codes

State and local programs often fund resilience upgrades—like fortified roofs, impact-resistant windows, drainage improvements, or wildfire defensible space—through grants, tax credits, or low-interest loans. At the same time, modern building codes increasingly require higher standards, even for retrofits. Future Proof’s XHome Survey™ reports align with 2024 International Building and Fire Codes and connect you with local departments to simplify compliance.

About Future Proof

Our roots go back to 2019, when The Paulele Hale Association a Hawai’i non-profit built the first ‘Future Proof’ home—designed to withstand wildfire heat up to 1200°F, 150 mph hurricane winds, earthquakes, and drought with autonomous water generation. Their insurance provider acknowledged its engineered resilience with a 15% discount, substantiating mitigation saves money.

Extreme Weather

While the causes of climate change are debated, its impacts are undeniable. A warming atmosphere and shifting water cycles are driving stronger storms, rising seas, prolonged droughts, and record wildfires. Disasters are reaching places once considered safe, disrupting lives, communities, and economies. Future Proof helps families confront these risks with practical, data-driven solutions.

We’ve since developed an AI-powered platform that uses advanced imaging to conduct precise property surveys, integrate insurance risk data, and generate cost-effective remediation plans. We connect homeowners to local contractors, material suppliers, and green financing so they can strengthen their homes and keep insurance affordable.

What we do

The Future Proof Extreme Weather Community Risk and Mitigation Report, is generated by the Visionary AI Engine™ using the Magic Window® app.  

With IBM Climate Intelligence models and Visionary AI’s deep learning knowledge base of construction we show how extreme weather may impact your property over the next 25+ years.

Magic Window is designed to inform property owners, assess community-level risk and generate disaster risk estimates and their potential impact, make remodeling recommendations, estimate savings, and provide resources to help reduce your property’s vulnerabilities.

The XHome Survey™ app (coming soon) creates a digital 3D twin of your property to inspect, then applies advanced engineering to deliver detailed remediation plans, budgets, financing options, with links to suppliers and contractors.

Future Proof’s holistic approach demonstrates how targeted remodeling improves safety, increases value, lowers insurance costs, and connects you with local resources.

Why we do it

Future Proof Intelligence PBC is a for profit, public benefit corporation with a legally mandated mission we actively pursue and report on to our shareholders, customers and the State of Delaware.

Have questions? For more about Future Proof, our AI Platform, your property and our mission to help protect it ask our FutureView agent “Nina”- scan below or visit futureproof.org