Climate risk in San Diego, California.
Wildfire in the backcountry, coastal erosion at the beaches.
San Diego's climate exposure combines backcountry wildfire (2003 Cedar, 2007 Witch), coastal erosion and bluff failure, and a milder version of the California insurance market stress. Core coastal neighborhoods are lower-risk than the Cleveland National Forest fringe.
Peril breakdown
Localized flash flooding; not a metro-wide risk.
East County, Ramona, Fallbrook, and the wildland-urban interface. Santa Ana events drive worst-case.
Santa Ana wind; not a hurricane market.
Coastal moderated; inland warming faster.
Bluff failure in Encinitas, Del Mar, La Jolla.
Insurability
Same California statewide stress; less acute than LA. FAIR Plan is a growing backstop in the interior.
20-year outlook
Wildfire risk is projected to rise; coastal erosion accelerates with sea-level rise.
If you're buying in San Diego
Coastal core has lower composite risk than the interior. In the WUI, insist on hardened construction and defensible space. On bluffs, check the geotechnical report.
Related reading: buying in a climate-safe area, questions to ask before buying, home insurance and climate change.
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