Sierra County, CA

Composite Insurance Risk Score: 51.4 / 100 (National rank: #1506)

Axis Scores

Climate Safety 63.5
Insurance Affordability 67.7
Housing Affordability 6.9
Community Resilience 34.8
Social Resilience 71.9
Housing Stability 37.4

Key Metrics

Annual Insurance Premium (state avg) $1,400
Insurance Burden (% of income) 2.21%
Price-to-Income Ratio 5.24
FEMA Risk Score (0-100) 36.4

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Sierra County have grown at an average annual rate of 7.48%. During the same period, the population has decreased by 9.67%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).