Monitoring Violations
A 88

Mckinleyville, CA (95519): 2 Violations — 88/100 (2026)

EPA data for Mckinleyville C.s.d.

Where MCL exceedances trigger health flags, 95519 in Mckinleyville, CA keeps its 2 violations in the procedural tier.

Data source: U.S. Environmental Protection Agency (EPA) SDWIS Last verified: April 2, 2026

Based on EPA Drinking Water FEMA Flood Data U.S. Census CDC Energy Information Admin. USGS Water Data & 9 more federal sources
Today's Safety: Fair
AQI 13 Violations: None Alerts: 2
2026-06-03
Your water right now: 2 non-health violations on record
AQI: 13 (Good) 2 weather alerts Lead: 1.8 ppb
Updated: 2026-06-03
Safety Score
A 88/100
Water Quality Concerns 2 violations (non-health)
Lead Risk Safe 0.002 mg/L
Flood Risk Low 11 claims
Data confidence: High (direct measurement) Medium (sampled / sub-geography) Low (modeled / inferred) Methodology →

At a Glance

  • Water EPA records show 2 violations (non-health) on the water system serving this ZIP (5-year window).
  • Lead Lead reading of 0.002 mg/L is well below EPA action level.
  • Radon EPA Zone 3 — low predicted indoor radon (below 2 pCi/L).
  • Flood 11 cumulative NFIP flood claims — limited flood history.

Composite Home Safety Score has been stable over the tracking period.

Contaminant Summary
MCL Exceeded
2 / 9 exceed limits
9 tested 2 violations
Data updated: Apr 2026 Consumer Confidence Report from 2016 — newer data may be available

What’s Happening in Mckinleyville, California

No significant water quality or safety concerns have been reported for this area. The safety score is stable.

A
Home Safety Score: 88 / 100
3
Water Systems
16,900
People Served
0
Health Violations (5yr)
Groundwater
Water Source
0.00178 mg/L
Lead Level
Zone 3
Radon Risk · Low
$433K
Median Home Value31% below state median ($629K)

Recommended Buyer Guides for This ZIP

Independent guides — grounded in EPA, NSF, FEMA, and CDC standards. Matched to risks detected in your area.

This Summer — what to check

Season-specific maintenance for home safety. Universal tasks — apply everywhere unless noted.

  • Water Heater

    Flush sediment (1–2×/year). Cuts energy use and prevents bacterial growth in low-use hot-water pockets.

    Source: DOE
  • Wildfire & Smoke

    Clear leaves and debris from gutters and the 30-ft home-ignition zone. Replace HVAC filters with MERV 13+.

    Source: Firewise
  • HVAC Filter

    Peak AC run. Replace filters monthly during high pollen / wildfire-smoke days; standard interval otherwise.

    Source: EPA IAQ

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Home Safety Score: better than 89% of U.S. ZIP codes

How Mckinleyville Compares

Safety Score vs. Humboldt County and California averages

Safety Score
Mckinleyville
88
Humboldt County
82
California avg
73
Lead level 97% below county average
Metric Mckinleyville Humboldt County California
Safety Score 88 82 73
EPA Violations (total) 2 2 2.8
Lead (ppb) 1.8 65.2 6.1

County and state averages computed from 41,344 ZIP codes. Data: EPA SDWIS.

🔍Key Insights for Mckinleyville 95519

Derived from EPA, Census, FEMA, and EIA data — exclusive to ZipCheckup

Water System Reliability
78 /100 Good
Reliability score based on violation trends, system size, CCR compliance, and enforcement history. The national median is 10/100.
Infrastructure Investment Gap
$1,800
Estimated per-household infrastructure deficit based on housing age, pipe materials, lead risk, and water system violations. That's 180.0x the national median of $10.
Seasonal Risk
Moderate Seasonal
Year-round contamination risk from seasonal factors: radon peaks in winter, flooding in spring, air quality in summer. Key factors: High flood zone (A).
Environmental Justice Index
28 /100 Low
Communities with high violations, low income, and environmental hazards face disproportionate risk. Higher score = greater environmental justice concern. The national median is 10/100.
Home Purchase Risk
26 /100 Low Risk
Composite "should I buy here?" score for homebuyers. Weighs water quality (25%), flood risk (20%), lead (15%), energy costs (15%), housing age (10%), radon (10%), and air quality (5%). The national median is 10/100.
Methodology: Lead exposure combines EPA LCR testing, Census housing age (ACS B25034), and LCRI service line estimates. Maintenance debt uses Census median build year and NAHB equipment lifespan data. Compliance risk weights health violations, unresolved issues, and EPA enforcement actions. Energy burden uses EIA state rates and Census B19013 median income. Flood cost uses FEMA NFIP claims data (1978–2024) divided by housing units. Water system reliability cross-references violation trends, system size, CCR compliance, and enforcement history. Infrastructure gap estimates deferred costs from housing vintage, pipe materials, and lead detection. Seasonal risk combines radon zones, flood zones, housing age, and air quality data. Environmental justice index weights violations, income disparity, Superfund proximity, and enforcement actions. Home purchase risk is a weighted composite of all environmental and infrastructure factors. Full methodology →
📊 ZipCheckup Cross-Reference Engine · Updated March 2026 · View source →

Score Breakdown

How your Home Safety Score of 86 is calculated.

Water
21/25
Lead
25/25
Radon
25/25
Flood
15/25
86 = Water 21/25 + Lead 25/25 + Radon 25/25 + Flood 15/25

Score has been stable — no change in the last 90 days.

Safety & Health (9) HIGH

Compliance Alerts for 95519

3 issues flagged based on EPA data, state regulations, and housing age estimates.

Lead Pipes
Monitor
Moderate lead pipe risk. Annual water testing recommended.
Electrical Panels
Monitor
FPE/Zinsco panel risk — 43
HVAC Refrigerant
Monitor
Your HVAC system likely uses R-410A, which is being phased out. Plan for a system replacement within the next few years.

Estimates based on EPA data, U.S. Census ACS housing vintage, and state regulations. Individual homes may vary.

📊 EPA + Census ACS + State Regs · Updated March 2026

Compliance Risk Forecast

Probability of future drinking water violations based on historical patterns, enforcement trends, and system size.

Medium Risk ▼ Declining trend

37% probability of new violation within 2 years

1-Year 20%
2-Year 37%
3-Year 50%

Based on 0.23 events/year rate. Model uses Poisson distribution with trend and system-size adjustments.

Service Disruption Risk

Moderate
20%

20% estimated probability of a boil water advisory or service interruption in the next 90 days.

Based on infrastructure age, EPA violation history, flood exposure, and seasonal patterns.

Contributing Factors
Seasonal Baseline
+10%
Infrastructure Age
+5%
Flood Exposure
+5%

Estimates based on EPA enforcement data, U.S. Census ACS housing vintage, and FEMA flood claims. Not a guarantee of disruption.

📊 EPA + Census ACS + FEMA · Updated March 2026

Your Water System

ZIP code 95519 in Mckinleyville, California is served by Mckinleyville C.s.d. (EPA ID: CA1210016). This system provides water to approximately 16,900 people from groundwater sources.

There are 3 community water systems serving this area.

Home Safety Score: A (88/100)

Based on water quality violations, lead levels, and radon risk in your area. This score is better than 89% of ZIP codes nationally and 88% in California.

Factor Status Details
Water Quality warning 2 violations, 0 health-based
Lead in Water safe 0.00178 mg/L (EPA action level: 0.015 mg/L)
Radon Risk Low Zone 3
Gas Safety low 2 incidents, score 1/100
Wildfire Smoke moderate score 38/100, 31 county fires (5yr)
Earthquake Risk Relatively High score 26.8/50
Superfund NPL Low nearest 23.1 mi (Celtor Chemical Works), 0 sites within 10 km

Lead & Copper in Your Water

The EPA requires water systems to monitor lead and copper levels under the Lead and Copper Rule.

Metal Measured Level EPA Action Level Status Sample Date
Lead 0.00178 mg/L 0.015 mg/L Within limit N/A

Radon Risk

Radon Zone 3 — Low potential (Humboldt County)

Lower radon potential for this area, but testing is still recommended for individual homes. Zone 3 indicates a predicted average indoor radon screening level below 2 pCi/L. Actual levels can vary based on home construction and geology.

CO & Gas Safety

Gas Distribution Risk: Low (score: 1/100)

2 gas distribution incidents recorded in this county since 2004. Most recent: 2010.

The CPSC recommends CO detectors on every level of your home. Have gas appliances inspected annually by a licensed technician.

Wildfire & Smoke Risk

Smoke Risk: Moderate (score: 38/100)

31 wildfires recorded in this county over the past 5 years. Nearest recent wildfire: 36 km (22 miles).

Monitor air quality at AirNow.gov during fire season (June–November). A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events.

Earthquake & Seismic Risk

Risk Rating: Relatively High (score: 26.8/50)

Metric Value
Risk Score 26.8
Risk Rating Relatively High
Annual Frequency 0.0086 damaging events/yr
Expected Annual Loss $35.3M (Relatively High)

Monitor seismic activity at the USGS Earthquake Map. Secure heavy furniture, maintain an emergency kit, and know your gas shutoff location.

Superfund Site Proximity

Proximity Risk: Low (score: 14/100)

Nearest NPL site: Celtor Chemical Works at 23.1 miles (37.2 km).

Radius NPL Sites
Within 5 km (3.1 mi) 0
Within 10 km (6.2 mi) 0
Within 25 km (15.5 mi) 0

Nearest NPL Sites

  • Celtor Chemical Works — 23.1 mi (Deleted), listed 09/08/1983

Search nearby sites at the EPA Superfund Site Search. If you garden or use well water near an NPL site, consider soil and water testing.

Violation Summary

2 monitoring/reporting violations recorded. These are procedural violations (missed tests or late reports), not necessarily water safety issues.

Recent Violations

Date Contaminant Type Status
July 2, 2025 Stage 2 DBP Rule Monitoring Unresolved

Contaminants Detected

The following contaminants have been flagged in EPA records for water systems serving this ZIP code:

Contaminant Category Violations Health-Based
Stage 1 DBP Rule Treatment Technique 1 No
Stage 2 DBP Rule Treatment Technique 1 No

Energy Costs in CA

Residential electricity rate: 30.29¢/kWh — 78% above the national average (17.0¢/kWh).

High electricity rates in California make energy-efficient appliances and heat pumps particularly valuable for reducing utility bills.

Energy Sources

California generates 53.6% of its electricity from renewable sources — 27% above the national average of 26.9%. Including nuclear, 62.2% of the state's power is carbon-free (EIA 2025).

Source Share
Natural gas 35.6%
Solar 27%
Hydroelectric 13.5%
Nuclear 8.5%
Wind 7.9%
Geothermal 5.2%

Need help with your water quality?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Water Systems Serving This Area

System Name EPA ID Population Source
Mckinleyville C.s.d. CA1210016 16,900 Groundwater
Fieldbrook Glendale C.s.d. CA1210020 1,845 Groundwater
Humboldt Bay Mwd CA1210013 680 Groundwater

What You Can Do

  1. Review your annual Consumer Confidence Report (CCR) — Your utility publishes this each July
  2. Test your home's water — Especially if you have older plumbing (pre-1986) that may contain lead
  3. Stay informed — Bookmark this page to check for updates on your water quality

Need help with water testing or filtration?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Other Water Quality Reports in California

Nearby Water Quality Reports

Data Sources

This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View the full compliance record for Mckinleyville C.s.d. (CA1210016) on EPA.gov.

Frequently Asked Questions

Is the tap water in 95519 safe to drink?

Based on EPA records, the water system serving ZIP code 95519 has only monitoring/reporting violations, which are procedural in nature. However, individual home conditions (old pipes, well water) can affect quality.

Where does 95519's water come from?

The primary water source for this area is groundwater. Mckinleyville C.s.d. serves approximately 16,900 people.

How can I get my water tested?

Contact your local water utility for a free water quality report, or hire a certified lab for independent home water testing. The EPA recommends testing annually if you use a private well.

Does 95519 have lead in the water?

Lead and Copper Rule sampling data for ZIP code 95519 shows a lead level of 0.00178 mg/L, which is below the EPA action level of 0.015 mg/L. Still, older homes with lead service lines or pre-1986 plumbing may have higher levels at individual taps.

What is the radon risk in 95519?

ZIP code 95519 (Humboldt County) falls in EPA Radon Zone 3, indicating low radon potential. Zone 3 areas have lower radon potential, though individual homes can still have elevated radon levels depending on construction and local geology. Testing is still recommended.

USGS reports that 5 of the top compounds applied across the surrounding county are flagged by the EPA for drinking-water monitoring — see the agricultural pesticide-use section

📊 EPA Safe Drinking Water · Updated March 2026 · View source →

California Water Quality Overview

Statewide grade: B (73/100)

California enforces some of the strictest drinking water standards in the nation, including limits on chromium-6 and 1,2,3-TCP that have no federal equivalent. The state enforces stricter limits than federal EPA minimums for 6 contaminants. 24 water systems in our data exceed these state-level limits while still passing federal standards. ZipCheckup analyzes lab results from 5,320 water systems across California, covering 27 contaminants from 5 data sources. The most frequently tested contaminants include Lead (Pb 90th %ile), NEtFOSAA, NMeFOSAA. Overall, California earns a water quality grade of B (average score: 73/100) across 2,630 ZIP codes. 55% of tested systems have at least one EPA violation on record. If you live in California, review the contaminant table above for your specific water system — state averages may not reflect local conditions.

5,320 systems tested
27 contaminants tracked
2,630 ZIP codes
Regulated at stricter state levels:
manganese 123tcp chromium6 fluoride perchlorate
California vs. federal limits →
📊 State Environmental Agency · Updated March 2026

Score History

Stable Score changed from 87 to 88 over 77 days (+1)
30-day change: 0

Tracking since 2026-03-18 · 54 data points

Safety Score Timeline

85+ 70–84 55–69 <55 Oldest → Newest · 24 data points

Environmental Incidents

2
Active Issues
EPA enforcement actions & health violations in 95519 (last 5 years)
Enforcement Actions
2
1 formal
Health Violations
0
0 unresolved
Last Enforcement
2023-07-13

Enforcement Actions

State Filed Suit
2023-07-13
State Order Extension
2023-06-20

Understanding EPA Enforcement

  • MCL Violation — Contaminant exceeded the Maximum Contaminant Level set by EPA
  • Treatment Technique (TT) — Water system failed to follow required treatment methods
  • Formal Enforcement — EPA or state issued a legal order (administrative order, court action, or compliance order)
  • Resolved — The water system returned to compliance
This ZIP code has 1 formal enforcement action. Consider testing your water independently or using a water filter rated for the specific contaminants found.

Source: EPA Enforcement and Compliance History Online (ECHO). Data from the Safe Drinking Water Information System (SDWIS). Updated quarterly.

PFAS Tested — None Detected

Water serving ZIP code 95519 was tested for PFAS ("forever chemicals") under the federal UCMR5 monitoring program — no PFAS detected.

The EPA Fifth Unregulated Contaminant Monitoring Rule (UCMR5) requires every public water system serving over 3,300 people to test for 29 PFAS compounds and lithium between 2023 and 2025. Systems with no detections at the federal minimum reporting level have provided clean results.

📊 EPA UCMR5 · Updated March 2026 · View source →

Consumer Confidence Report

2016 Report

Annual water quality report published by McKinleyville Community Services District for ZIP code 95519.

9
Contaminants Tested
0
MCL Violations

Lead & Copper Rule Results

Lead (90th percentile): 1.73 ppb — EPA action level: 15 ppb
Copper (90th percentile): 0.3 ppm — EPA action level: 1.3 ppm

What Is a Consumer Confidence Report?

Every community water system in the U.S. is required by the EPA to publish an annual Consumer Confidence Report (CCR), also known as a Water Quality Report. It lists all detected contaminants, their levels compared to federal limits (MCLs), and information about where your water comes from.

How to Read Your CCR

  • MCL (Maximum Contaminant Level) — the highest level of a contaminant allowed in drinking water
  • MCLG (Maximum Contaminant Level Goal) — the level below which there is no known health risk
  • Action Level — used for lead and copper; triggers treatment if exceeded at the 90th percentile
  • A violation means detected levels exceeded the MCL — your utility must notify you and take corrective action
📊 Water Utility CCR Report · Updated March 2026 · View source →

Childhood Environmental Risk Score — 95519

Low Risk
17/100
Childhood Environmental Risk Score
Combining water lead, air toxics, housing age & EPA violations

This ZIP's score is higher than 5% of U.S. ZIP codes and 10% of those in California — a relative ranking, not a verdict on any home.

Risk Factor Breakdown

Housing Lead Paint Probability 15/100
15% of homes built before 1970, when lead paint was widely used.
Water System Violations 20/100
EPA water system violation history for this area.
What weighs most here

Water system violation history is the largest contributor to this ZIP's score. A pattern of violations can signal recurring quality issues worth monitoring, and reviewing a system's recent record helps families know what to ask about.

Pre-1970 Housing
15%
homes likely containing lead paint
EPA Radon Zone Zone 3
Zone 3 indicates lower radon potential, though individual homes can still test high depending on construction and local geology.
Radon is a naturally occurring radioactive gas. Children spend more time at home than adults, and a radon test kit is inexpensive.
Important Health Information
  • Children under 6 are most vulnerable to lead exposure — there is no safe level of lead in blood
  • Test your home's drinking water, especially if your home was built before 1986

What families can do

Here are calm, practical steps families in this ZIP can consider — informational guidance, not cause for alarm.

No specific actions are flagged for this ZIP. The general guidance above still applies to every family.

Share with other parents

Know a family in 95519? A free 30-second ZIP check shows them the same lead, water, and housing data.

Disclaimer: This environmental health risk assessment uses publicly available data from the EPA, Census Bureau, and CDC to estimate relative risk levels. It is not a medical diagnosis or substitute for professional health advice. Individual exposure depends on many factors not captured in this analysis. Consult your pediatrician or local health department for specific guidance. Data sources: EPA AirToxScreen, EPA SDWIS, U.S. Census Bureau, CDC Childhood Blood Lead Surveillance.
📊 EPA AirToxScreen, SDWIS, Census, CDC · Updated March 2026 · View source →

Lead Pipe Replacement Funding for California

$28.6M
allocated in fiscal year 2025 for lead service line replacement
Up to $14.0M available as grants for disadvantaged communities (49% of allocation)

Key LCRI Deadlines

Now
Your water system must notify you if you have a lead service line
1
Oct 2027
Water systems must complete service line inventories
2
Oct 2034
All lead service lines must be replaced

What This Means for You

  • If your home was built before 1986, it may have lead service lines
  • Your water utility is required to inventory and replace lead lines at no cost to you
  • Contact your water utility to check if your address is in their inventory

Source: EPA DWSRF Lead Service Line Replacement Program, FY2025 Allotment Memorandum.

Active Alerts in California

2 active weather alerts in California. Severe weather can affect your water quality and home safety.

View alerts for California →

📊 NWS · Updated March 2026 · View source →
Environmental Hazards (10) HIGH

Flood Risk Profile

11
Low-Moderate Flood Risk
FEMA flood insurance claims filed in 95519
Total Claims Paid
$10
since 1970
Average Claim
$10
per claim
Flood Zone
A
most common FEMA zone
Recent Claims
10
since 2010

FEMA Flood Zones Explained

  • Zone A / AE — High-risk (100-year floodplain). Flood insurance required for federally backed mortgages
  • Zone V / VE — High-risk coastal area with wave action. Strictest building requirements
  • Zone X — Moderate-to-low risk (500-year floodplain or minimal flood hazard)
  • Zone B / C — Areas of moderate or minimal flood hazard
📊 FEMA NFIP · Updated March 2026 · View source →

Air Quality for 95519

31
AQI
Good
Primary pollutant: PM10
Station: Eureka (10.8 mi away)
Health Recommendations

Air quality is satisfactory, and air pollution poses little or no risk. Enjoy outdoor activities.

AQI Scale
050100150200300500
📊 EPA AirNow · Updated March 2026 · View source →

Termite Risk for 95519

Very Heavy Termite Zone
WDI Inspection Requirement

Required for VA/FHA loans statewide; Section 1/Section 2 pest report standard in conventional sales. Sellers must disclose known termite activity

Typical Inspection Cost
$100 – $250
Based on California market rates
Consequence

VA/FHA loan will not close without clear NPMA-33 form; Section 1 findings may require treatment before close of escrow

Termite Damage in the U.S.

  • Termites cause an estimated $5 billion in property damage annually in the United States, according to the USDA.
  • Standard termite treatment costs $225–$2,500; fumigation for severe infestations: $2,000–$8,000.
  • Homeowner insurance typically does not cover termite damage, as it is considered preventable.

What Homeowners Should Know

  • Annual termite inspections are recommended in moderate-to-heavy risk zones. Early detection can prevent thousands in repair costs.
  • VA and FHA loans require a clear NPMA-33 (Wood Destroying Insect Inspection Report) for closing in most states.
  • Warning signs: mud tubes on foundation walls, hollow-sounding wood, discarded wings near windows, and frass (droppings) near baseboards.
  • Preventive treatment ($200–$900 per year) is far less expensive than structural damage repair, which averages $3,000 and can exceed $50,000.
  • California falls in a very heavy termite infestation probability (TIP) zone. Subterranean termites are the primary concern, with Formosan subterranean termites also present in this region.
Reference: VA lender requirements; California Structural Pest Control Act (B&P Code 8500-8698); Section 1/Section 2 reporting

Source: USDA Forest Service Termite Infestation Probability (TIP) zones, VA/FHA lender requirements, California pest control regulations. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Pest Risk for 95519

High Pest Pressure
Top Pest Threats in California

termites, rodents, cockroaches, bed bugs and mosquitoes

Typical Pest Inspection Cost
$100 – $250
Based on California market rates
Licensed Applicator Required
Yes
California pesticide regulations
⚠ CDC / EPA Disease Zone Alerts
  • West Nile activity zone
Real Estate Transaction Requirement

Required for VA loans in all states; Section 1/Section 2 pest report standard in conventional sales

Penalty for Unlicensed Application

Up to $5,000 per violation; criminal penalties for willful violations

Why This Matters

  • Health risks: Mosquitoes transmit West Nile virus (1,000+ U.S. cases annually). Ticks spread Lyme disease (estimated 476,000 cases/year per CDC). Rodent droppings can carry hantavirus.
  • Property damage: Carpenter ants and termites cause billions in structural damage annually. Rodents gnaw wiring, creating fire hazards.
  • Food safety: Cockroaches and rodents contaminate food preparation areas and can trigger allergies and asthma, especially in children.
  • California's climate creates year-round pest pressure. Regular professional inspections and preventive treatment are strongly recommended.

Common Questions

Do I need a pest inspection before buying a home in California?
VA and FHA loans require a Wood Destroying Insect (WDI) inspection in all states. Required for VA loans in all states; Section 1/Section 2 pest report standard in conventional sales Even when not legally required, a professional pest inspection ($100–$250) can reveal hidden infestations that cost thousands to remediate.
Can I apply pesticides myself in California?
Homeowners can generally use over-the-counter pesticide products on their own property. However, restricted-use pesticides require a licensed applicator in California. Commercial pest control services must be licensed. Up to $5,000 per violation; criminal penalties for willful violations.
What are the most common pests in California?
The top pest threats in California include termites, rodents, cockroaches, bed bugs and mosquitoes. Pest activity varies by season and local conditions. As a high pest pressure state, year-round preventive treatment is recommended.
Legal Reference: California Structural Pest Control Act (B&P Code 8500-8698)

Source: CDC vector-borne disease surveillance, EPA pesticide regulation data, California pest control board, NPMA pest prevalence maps. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Wildfire & Smoke Risk Profile

38
Moderate Smoke Risk
Wildfire smoke exposure risk score for 95519
Nearest Fire
22 mi
36 km to nearest recent wildfire
County Fires (5yr)
31
wildfires in county since 2021
Risk Level
Moderate
based on fire proximity & history
Air Quality
Seasonal
during fire season (Jun–Nov)
SMOKE RISK SCORE 38/100
0 — Minimal 100 — Highest Risk
This area has moderate wildfire smoke exposure risk. During fire season (June–November), air quality can deteriorate rapidly. Monitor conditions at EPA AirNow and the National Interagency Fire Center.

Wildfire Smoke Safety Tips

  • Air purifier with HEPA filter: run in the room where you spend the most time. Close windows and doors during smoke events.
  • N95 or KN95 masks: standard cloth and surgical masks do not filter fine particulate matter (PM2.5) from wildfire smoke.
  • Seal gaps: use wet towels or tape around doors and windows to reduce smoke infiltration during poor air quality days.
  • Monitor AQI: check AirNow.gov daily during fire season. AQI above 100 = unhealthy for sensitive groups; above 150 = unhealthy for everyone.
  • Create a clean room: designate one room with the air purifier running, keep it sealed, and limit time outdoors when AQI is elevated.

Protect Your Indoor Air from Wildfire Smoke

A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events. Portable units for a single room start at $80. Whole-home solutions start at $300.

Product links may earn a commission — see our disclosure.

📊 NIFC Wildfire Data & EPA AirNow · Updated March 2026 · View source →

Earthquake & Seismic Risk Profile

26.8
HIGH RISK
FEMA National Risk Index earthquake score for 95519
Risk Rating
Relatively High
FEMA earthquake hazard classification
Expected Annual Loss
$35.3M
estimated county-level annual loss (Relatively High)
Annual Frequency
0.009
expected damaging earthquakes per year
Structural Vulnerability
Moderate
based on housing age (28 yr median) + seismic zone
EARTHQUAKE RISK SCORE 26.8/50
0 — Minimal 50 — Highest Risk
This area has relatively high earthquake risk. Seismic activity is a significant hazard in this region. Review your home's structural readiness, secure heavy items, and maintain an earthquake kit. Check real-time seismic activity at the USGS Earthquake Map.

Earthquake Preparedness Tips

  • Secure heavy furniture: anchor bookshelves, water heaters, and large appliances to wall studs. Unsecured items cause most earthquake injuries.
  • Emergency kit: water (1 gallon per person per day for 3 days), non-perishable food, flashlight, batteries, first aid kit, wrench to turn off gas. Keep kits at home and in your car.
  • Know how to shut off gas: locate the gas meter shutoff valve and keep a wrench nearby. Gas leaks are a leading cause of post-earthquake fires.
  • Drop, Cover, Hold On: during shaking, drop to hands and knees, take cover under a sturdy table, and hold on. Do not stand in doorways or run outside.
  • Structural retrofit: homes built before 1980 may need foundation bolting or cripple wall bracing. FEMA's earthquake resources offer guidance on retrofitting.
  • USGS ShakeMap: monitor real-time and recent seismic activity at earthquake.usgs.gov.

Build Your Earthquake Preparedness Kit

FEMA recommends every household in a seismic zone maintain a 72-hour emergency kit. Pre-assembled kits start at $40 and include water, food, first aid, and tools.

Product links may earn a commission — see our disclosure.

📊 FEMA National Risk Index & USGS · Updated March 2026 · View source →

Mold Risk Assessment for 95519

Low Risk
25/100
Mold Probability Score
Based on humidity, housing age, flood history & water infrastructure
Avg. Humidity
57%
annual relative humidity
Summer Humidity
47%
Jun–Aug average
Median Home Age
1998
median year built
Flood Claims
11
FEMA insurance claims
Seasonal Risk

Winter humidity (67%) remains elevated in this area. Condensation on cold surfaces creates mold-favorable conditions even in cooler months. Summer humidity averages 47%.

Why Mold Matters

  • The CDC and EPA identify mold as a significant indoor health hazard. Common symptoms include respiratory irritation, allergic reactions, and asthma exacerbation.
  • Mold begins growing within 24–48 hours on damp surfaces when relative humidity exceeds 60%. Bathrooms, basements, and crawl spaces are most vulnerable.
  • Professional mold remediation costs $1,500–$9,000 on average. Homeowner insurance often excludes mold coverage unless caused by a "covered peril."
  • Homes built before 1980 typically lack modern vapor barriers and ventilation systems, increasing moisture infiltration risk.

Prevention Recommendations

  • Keep indoor humidity below 50% using ventilation or a dehumidifier in moisture-prone areas (bathrooms, basements, laundry rooms).
  • Ensure proper ventilation: use exhaust fans in bathrooms and kitchens, and keep attic and crawl space vents unblocked.
  • Fix leaks immediately. Even small plumbing leaks can create mold-favorable conditions within 48 hours.
  • Monitor indoor humidity with a hygrometer ($10–$20). Target 30–50% year-round.
Recommended: Whole-Home Dehumidifier

With 57% average humidity, a dehumidifier is the most effective way to reduce mold risk in 95519. Energy Star-rated units cost $200–$400 and can reduce humidity by 20–30%.

Compare Dehumidifiers
As an Amazon Associate, ZipCheckup earns from qualifying purchases.
Sources: NOAA Climate Normals 1991–2020 (humidity), U.S. Census ACS (housing age), FEMA NFIP (flood claims), EPA SDWIS (water violations). Score methodology: humidity 40%, housing age 30%, flood history 20%, water infrastructure 10%.

Respiratory Risk Today

Low Risk
14
Respiratory Risk Score
Combined air quality, humidity & mold risk for 95519
Air Quality
3/40
EPA AQI index
Humidity
3/30
seasonal impact
Mold
8/30
housing + humidity
RISK SCORE 14/100
Low Moderate Severe
Sources: EPA AirNow (daily AQI), NOAA humidity normals, mold risk model (housing age + humidity + flood history). Updated daily. Score combines air quality (40%), humidity stress (30%), and mold risk (30%).

Superfund Sites & Soil Contamination Risk

14
Low Proximity Risk
EPA Superfund NPL site proximity score for 95519
Nearest NPL Site
23.1 mi
37.2 km — Celtor Chemical Works
Sites Within 10 km
0
NPL sites within ~6.2 miles
Risk Level
Low
based on proximity & site status
Sites Within 25 km
0
NPL sites within ~15.5 miles
SUPERFUND PROXIMITY SCORE 14/100
0 — No nearby sites 100 — Highest Risk

Nearest Superfund (NPL) Sites

Site Name Distance Status Listed
Celtor Chemical Works
Hoopa, California
23.1 mi Deleted from NPL 09/08/1983

What Are Superfund NPL Sites?

The National Priorities List (NPL) is the EPA's list of the most contaminated sites in the United States. These sites are eligible for federal cleanup funding under CERCLA (the "Superfund" law). Common contaminants include heavy metals, volatile organic compounds (VOCs), pesticides, and industrial solvents that can leach into soil, groundwater, and air.

  • Active Cleanup: EPA is investigating or remediating the site — contamination may still be present.
  • Construction Complete: Physical cleanup is done, but long-term monitoring continues.
  • Deleted: Site meets EPA cleanup standards and has been removed from the NPL.

Know What's in Your Soil

If you live near a Superfund site, a home soil test kit can detect heavy metals, lead, and other contaminants — especially important if you garden, have children, or use well water.

Product links may earn a commission — see our disclosure.

📊 EPA Superfund National Priorities List (NPL) · Updated March 2026 · View source →

Pollution and Population Health

This section places two independent federal datasets side by side: environmental measurements from the EPA and population-health estimates from the CDC. They describe the same ZIP code but are collected separately, and each one is read on its own terms.

Environmental data — EPA

Local pollution measurements

Air, traffic and contaminated-site indicators for this ZIP code, from EPA programs.

Fine particulate matter (PM2.5) Nat. percentile: 30
Diesel exhaust Nat. percentile: 10
Traffic proximity Nat. percentile: 40

Each bar is this ZIP code’s EJScreen national percentile; a higher value means more exposure compared with other U.S. areas.

Air quality (NEI)
Grade B+ · median AQI 38
Toxic-release facilities (TRI)
No facilities in this ZIP code report to the EPA Toxics Release Inventory.
Superfund site proximity
Superfund (NPL) sites within 10 km: 0 · nearest about 23.1 mi away
📊 EPA — National Emissions Inventory, EJScreen, Toxics Release Inventory & Superfund (NPL) · Updated 2026 · View source →
AIR EMISSIONS TREND (5-YEAR, EPA AIRDATA)

EPA AirData has insufficient reporting cycles or facilities for Humboldt County, CA — trend display held.

EPA AirData methodology

Two independent datasets. Air and soil pollution data (EPA) and health-prevalence data (CDC) are independent datasets shown side by side for context only. ZipCheckup does not establish a causal link between local pollution and any health condition, and these figures do not demonstrate one.

Health data — CDC

Population-health estimates

CDC PLACES modeled prevalence among adults in this ZIP code, each shown with its 95% confidence interval. The prior-release figure is shown alongside as a reference point only; CDC explicitly cautions that small-area year-to-year differences may reflect model recalibration rather than real change.

Adult asthma
Current (2025 release)
11.1%
95% CI 9.8–12.4
Prior (2024 release)
11.5% (95% CI 10.1–12.9)
Within model uncertainty
COPD
Current (2025 release)
6.8%
95% CI 6.1–7.7
Prior (2024 release)
7.2% (95% CI 6.4–7.9)
Within model uncertainty
Cancer
Current (2025 release)
8.9%
95% CI 8.1–9.7
Prior (2024 release)
9.2% (95% CI 8.3–10.1)
Within model uncertainty

Modeled small-area estimates produced from the BRFSS national survey and census demographics (Zhang et al. 2014). Not direct measurements; not for diagnostic or screening use.

Only CDC PLACES measures present in every release since 2020 appear with a prior-release reference; newer measures (added in 2023 and later) are presented without a prior figure.

CDC PLACES estimates are modeled from the BRFSS national survey and ACS demographics — not direct counts. Year-to-year differences between releases may reflect model recalibration, BRFSS sample-frame changes or census-tract-to-ZIP crosswalk adjustments rather than actual change. Margins of error often exceed annual differences at this geography. Not for diagnostic or screening use.
📊 CDC PLACES — modeled small-area health estimates (current 2025 release, with 2024 prior release shown for reference) · Updated PLACES 2025 · View source →
Food access — USDA

Food access for this area

How the USDA classifies access to grocery stores and fresh food across the surrounding census tract.

USDA access category
High access concern
Food environment index
5.4 of 10 — higher means better access to healthy food
SNAP participation
17.0% of households (USDA estimate)

USDA Food Access Research Atlas tract estimates, mapped from census tract to ZIP code. These are modeled population-level figures, not findings about any individual or any specific address.

📊 USDA — Food Access Research Atlas · Updated FARA 2019 · View source →

Pollution–Health Comparison Index

In 95519, the CDC models adult-asthma prevalence at 11.1%, while a statistical model of local pollution and poverty predicts about 11.3% — close to the model’s prediction.

Below predicted Above predicted

Among U.S. ZIP codes, this one sits at percentile 52 for how far observed asthma is above or below the model’s prediction.

Model fit (R²): 0.1601  how much of the variation in asthma the model accounts for; a lower value means a weaker fit and a less reliable comparison.

The Pollution–Health Comparison Index is a percentile rank showing how this ZIP code’s observed asthma prevalence compares with what a statistical model would predict from local pollution and poverty alone. It describes a statistical association, not a cause-and-effect relationship.

The environmental data (EPA) and health-prevalence data (CDC) in this section are independent datasets presented side by side for general informational purposes. Health figures are CDC PLACES modeled estimates with 95% confidence intervals — statistical models, not diagnoses, and they do not describe any individual. ZipCheckup does not establish a causal link between environmental conditions and health outcomes, and nothing in this section is medical advice. For questions about personal health or local environmental conditions, a licensed clinician or a state or local public-health authority is the right source.

Agricultural pesticide use in the surrounding county

USGS estimates how many kilograms of agricultural pesticides are applied each year in this ZIP code’s surrounding county, plus the five most-applied compounds. These are county-level use estimates, not a measurement of any pesticide in the tap water served to this ZIP code.

USGS county-level estimate
664 kg
estimated kilograms of pesticides applied each year across the surrounding county.

Top compounds by volume

The five compounds applied in the largest amounts across this county. Where the EPA sets a drinking-water reference limit (MCL) for a compound, that limit is shown for context — it is a regulatory reference, not a finding of any concentration in this ZIP code’s water.

  • CHLOROTHALONIL
    Fungicide · 593 kg/yr
    Moderate water concern
  • GLYPHOSATE
    Herbicide · 45 kg/yr · EPA drinking-water reference limit: 700 ppb
    Moderate water concern
  • 2,4-D
    Herbicide · 24 kg/yr · EPA drinking-water reference limit: 70 ppb
    Moderate water concern
  • CHLORPYRIFOS
    Insecticide · 1 kg/yr
    High water concern
  • IMIDACLOPRID
    Insecticide · 1 kg/yr
    Moderate water concern

5 of the top compounds are ones the EPA flags for drinking-water monitoring — see the drinking-water section above

What this means

  • These figures describe pesticide application across the surrounding county, not the drinking water at this address.
  • An EPA Maximum Contaminant Level (MCL) is a regulatory reference for how much of a compound is allowed in finished tap water — it is not a finding of contamination at this ZIP code.
  • Tested drinking-water results from the local water system — when reported — appear in the drinking-water section of this report.

Methodology: Annual county pesticide-use estimates are from the USGS Pesticide National Synthesis Project, mapped from county FIPS to ZIP code. EPA Maximum Contaminant Levels are reproduced from federal drinking-water regulations and are reference points only.

Informational only. County-level agricultural pesticide-use estimates are not a measurement of any pesticide in the drinking water served by this ZIP code, nor an assessment of health risk. Tested drinking-water results, when reported by the local water system, appear in the drinking-water section above.

📊 USGS Pesticide National Synthesis Project · Updated May 2026
Home & Infrastructure (7) OK

Home Buyer Risk Report

An inspection-grade snapshot of public-data risk factors for this ZIP, built to help a buyer decide what to verify before closing.

26/100
Home Purchase Risk Score
Low Risk

Public federal data shows a low overall risk profile for this ZIP. The checklist below works alongside a standard home inspection.

Seven-factor inspection checklist

Each factor below is scored 0–100 from public federal data. A higher score means the factor is more worth verifying before you buy.

Water quality · 25% of score

The local water system's recent EPA violation and contaminant history, along with an independent tap-water test, gives more context.

No flag
Flood · 20% of score

The FEMA flood zone, whether the property has flooded before, and flood-insurance requirements are key points to review.

No flag
Lead · 15% of score

Homes built before 1986 may have lead pipes or solder, and pre-1978 homes may have lead paint — a lead inspection adds clarity.

No flag
Energy · 15% of score

Heating and cooling costs and the age of the HVAC system, along with recent utility bills, give a fuller picture.

Worth a look
Housing age · 10% of score

Older homes more often have aging plumbing, wiring, and a water heater near end of life — a full inspection adds detail.

No flag
Radon · 10% of score

The EPA recommends testing every home for radon; homes in EPA Radon Zone 1 have the highest potential.

No flag
Air quality · 5% of score

Local air-quality history is useful context; for sensitive occupants, an HVAC system with good filtration helps.

No flag

Nearby hazards

Superfund proximity

No EPA Superfund (National Priorities List) sites recorded within 10 km.

ATSDR public-health assessment for nearby sites: No Apparent Public Health Hazard.

20%

Modeled probability of a local water-service disruption in the next 90 days.

See the 90-day disruption outlook

Healthcare access

Hospitals reported by CMS Hospital Compare near this ZIP code, with overall federal quality star ratings where CMS publishes one.

3
hospitals within 15 miles
3
with emergency departments
1
of these within 5 miles
Nearest CMS-rated hospital
Mad River Community Hospital
CMS 1-star rating · 5.0 mi away

Closest hospitals

  • Mad River Community Hospital
    Acute care · 5.0 mi away · ER
    CMS 1-star rating
  • Providence ST Joseph Hospital
    Acute care · 11.2 mi away · ER
    CMS 4-star rating
  • Sempervirens
    Psychiatric · 11.2 mi away · ER
    Not rated by CMS

Across the rated hospitals within 15 miles, the average CMS overall-quality rating is 2.5 (CMS scale: 1 to 5).

Federal data from CMS Hospital Compare. Distances are straight-line estimates from the ZIP code centroid; ZipCheckup neither ranks nor recommends any hospital.

Inspection-day checklist

Practical items to raise with your inspector, agent, or the seller — tailored to this ZIP's data.

  • Hire an independent home inspector for a full walkthrough of the property.
  • Read the seller's disclosure and any past inspection or repair records.
  • Ask for service records for the HVAC system, water heater, and roof.

What this means

  • This report consolidates seven home-purchase risk factors and nearby hazards from public federal data into one place.
  • Each flagged item is a recommendation to verify independently — not a finding of a defect.
  • An independent home inspection remains an essential step before closing.

Methodology: The report combines the home purchase risk score — a seven-factor composite of public federal data — with EPA Superfund, ATSDR, water-disruption, and NRC nuclear-zone proximity datasets. All figures are modeled estimates.

Informational only. This is a modeled summary of public federal data, not a home inspection, an appraisal, or a prediction of defects. Verify any concern with a qualified inspector before a purchase.

📊 EPA, FEMA, U.S. Census, NRC · Updated May 2026

Housing Profile for 95519

Based on U.S. Census data (ACS B25034), there are 8,106 housing units in this ZIP code. The median home was built around 1998, making it roughly 28 years old.

Median Home Age
28
years (built ~1998)
Lead Paint Risk
43%
homes built before 1986
Lead Pipe Risk
7%
homes built before 1950

When Homes Were Built

Pre-1940
3% (252)
1940–1949
4% (321)
1950–1959
8% (677)
1960–1969
8% (618)
1970–1979
12% (979)
1980–1989
12% (999)
1990–1999
24% (1,935)
2000–2009
21% (1,692)
2010–2019
7% (606)
2020+
0% (27)
Highest risk (pre-1950) Elevated risk (1950–1979) Lower risk (1980+)

What This Means for Home Equipment

Homes from the 1998s are approaching or past their first major equipment replacement cycle:

  • Water heater: estimated ~4 years old
  • HVAC system: estimated ~11 years old
  • Plumbing: likely Copper

Home Value Context

Median Home Value
$432,600
31% below state median ($628,950)
Est. Safety Remediation
$1,200
0.3% of median home value

Estimated median home value in this ZIP code based on Census ACS data. Safety remediation costs include water filtration, lead abatement, radon mitigation, and flood insurance where applicable.

📊 Census ACS B25034 · Updated March 2026 · View source →

Equipment Age Estimate for 95519

Based on Census data, the median home in this ZIP was built in 1998 (~28 years old).

Lead Pipe Risk
Moderate
43% homes pre-1986
Electrical Risk
Low
15% homes pre-1970
Water Heater Est. Age
~4 yrs
Avg lifespan: 12 yrs
HVAC Est. Age
~11 yrs
Avg lifespan: 17 yrs

Likely pipe material: Copper

Estimates based on U.S. Census ACS housing vintage data and typical equipment lifespans. Actual conditions vary by home.

Water Infrastructure Risk

26%
Moderate Risk
Estimated pipe failure probability for 95519
State Funding Gap
$658
per resident (20-year need)
Pre-1980 Housing
43%
of homes built before 1980
System Violations
0
EPA violations on record
Lead Indicators
Low
no lead service line indicators

Risk Factor Breakdown

Infrastructure Funding Gap 28%
State drinking water infrastructure need relative to population
Housing Vintage 29%
Proportion of homes with plumbing installed before 1980
Violation History 20%
EPA Safe Drinking Water Act violations and enforcement actions
Lead Exposure Risk 27%
Lead service line probability and lead testing results

What This Means

ZIP code 95519 has some aging water infrastructure. While not at the highest risk level, periodic water testing is a sensible precaution, particularly if your home was built before 1980.

📊 EPA DWINS, Census ACS, EPA SDWIS, LCRR · Updated March 2026 · View source →

Infrastructure Decay & Disruption

35
Low infrastructure stress
Higher modeled infrastructure stress than 10% of US ZIP codes

Water pipe decay

Local water mains have an estimated 18 years of modeled service life remaining.

New 40% of service life consumed End of life
Decay trend
Stable
Likely pipe material
Copper
Estimated system age
28 yrs
Modeled failure probability
26%
estimated annual water-main break likelihood

Bridge condition (FHWA NBI)

Bridges in area
399
Rated in poor condition
5.3%
FHWA NBI structural rating
Average bridge age
58 yrs
Worst bridge rating
3/9
FHWA NBI scale — 9 is excellent, 0 is failed

Bridge figures are from the Federal Highway Administration's National Bridge Inventory. They describe area-level structural ratings, not the safety of any specific bridge.

Bridge condition — FHWA NBI 2024 annual release

Of 396 bridges classified within this ZIP code's surrounding county, 27 are classified Poor by FHWA NBI 2024.

Good (154) · Fair (215) · Poor (27)

FHWA classifies bridges as Good (rating 7-9), Fair (5-6), or Poor (0-4) based on biennial inspections of deck, superstructure, substructure, and culvert components.

Counts are county-level aggregated; multiple ZIP codes within the same county share these counts. No per-bridge or per-structure-ID claim is made.

Source: FHWA National Bridge Inventory, 2024 annual release.

Gas pipeline incident history

PHMSA records 2 reported gas-distribution pipeline incidents on file for this area.

Source: U.S. Pipeline and Hazardous Materials Safety Administration (PHMSA) historical incident data.

20%

This is the modeled probability of a boil-water advisory or water-service interruption in the next 90 days.

See the full service-disruption breakdown →

What this means

  • This score blends four public federal datasets — water-pipe decay, bridge condition, gas-pipeline incident history, and a 90-day disruption estimate — into one area-level measure of infrastructure stress.
  • It describes the infrastructure around a home, not the condition of the home itself, and it is a modeled estimate rather than an engineering assessment.
  • Aging water mains raise the chance of breaks and service interruptions; a plumber can inspect a home's own supply line and shut-off valve.

Methodology: Water-pipe decay is modeled with an exponential-decay bathtub curve from Census ACS housing age, EPA ECHO compliance records, and EPA infrastructure-needs data. Bridge condition is from the FHWA National Bridge Inventory; gas-pipeline incidents from PHMSA; the 90-day disruption estimate from EPA and FEMA data. The stress score is a weighted composite of these four signals.

All figures are modeled estimates from public federal data. They are not engineering assessments, predictions of failure, or a judgment about any specific structure or utility.

📊 Census ACS, EPA ECHO, FHWA NBI, PHMSA, FEMA · Updated May 2026

HVAC System Health for 95519

Estimated HVAC Age
~11 years
Average lifespan: 17 years
Replacement Status
Plan Ahead
Approaching end of life. Budget for replacement in the next 6 years.

High energy costs in California (30.29¢/kWh) mean an inefficient HVAC system costs you significantly more. Upgrading to a high-SEER unit or heat pump could save 30–50% on heating and cooling bills.

Seasonal HVAC Tips for California

Fall / Winter
  • Schedule furnace tune-up before first cold snap
  • Replace air filter (every 1–3 months)
  • Check thermostat calibration
Spring / Summer
  • Clean AC condenser coils and clear debris
  • Test AC before peak season
  • Check refrigerant levels (professional tech only)

Common HVAC Issues for 1998-Era Homes

  • Aging compressor — most compressors last 12–15 years; may need replacement soon
  • Duct leaks — connections loosen over time, wasting 20–30% of conditioned air
  • Lower SEER rating — systems from 2000s are typically 10–13 SEER vs. today's 15–20+ SEER
  • Thermostat upgrades — older thermostats lack programming features that save 10–15% on energy
Refrigerant Update: R-410A Phase-Down

The HVAC system in homes in this area likely uses R-410A, which is being phased down under the AIM Act. Manufacturing of new R-410A equipment was banned January 2025.

  • Your existing system can continue operating and be repaired
  • New replacements will use R-454B or R-32 (A2L refrigerants)
  • New systems cost 5–10% more due to additional safety requirements
  • Plan ahead: when your system needs replacement, budget for the higher cost
Furnace Efficiency Deadline: December 2028

The Department of Energy requires all NEW furnaces manufactured after December 18, 2028 to meet 95% AFUE (condensing furnaces). Current standard is 80% AFUE.

What this means for you:

  • 80% AFUE non-condensing furnaces will no longer be available for purchase
  • Condensing furnaces require PVC venting (additional $1,500–$2,500 for retrofit)
  • If the furnace is approaching end of life, consider replacing before the deadline to potentially save on installation costs
  • Your existing furnace can continue operating — this applies only to NEW equipment

HVAC Questions for 95519

How do I know if my HVAC system needs replacement?

Key signs include: the system is over 15 years old, frequent repairs (more than 2 per year), uneven heating/cooling between rooms, rising energy bills despite normal use, and unusual noises or odors. Based on census data, the median home in 95519 was built in 1998, putting the estimated HVAC system age at ~11 years.

What SEER rating should I look for in a new HVAC system?

As of 2023, the federal minimum is SEER2 15 for central AC in the southern U.S. and SEER2 14 in the north. For California, look for at least SEER 16–18 for good efficiency. Higher SEER ratings (20+) cost more upfront but save more in areas with high electricity rates like California, where rates are above the national average. ENERGY STAR certified units are a reliable starting point.

How much does HVAC replacement cost in California?

A full HVAC replacement (furnace + AC) typically ranges from $5,000–$12,000 depending on system size, efficiency rating, and ductwork condition. Heat pump systems range from $4,000–$10,000. Federal tax credits (25C) cover up to 30% of the cost for qualifying heat pumps and high-efficiency systems. Check our rebates page for California-specific incentives.

What refrigerant does my AC use and why does it matter?

If your AC was installed before 2010, it likely uses R-22, which was banned in 2020 and now costs $50–$150/lb. Systems from 2010–2024 typically use R-410A, which is being phased down (AIM Act 2025). New systems use R-454B or R-32. When your current system needs major repair, the refrigerant type significantly affects whether repair or replacement makes more economic sense.

Should I replace my furnace before the 2028 efficiency deadline?

If the furnace in a home is over 15 years old and the area has a cold/moderate climate, planning ahead is wise. After December 2028, only 95% AFUE condensing furnaces will be available. These require PVC venting — retrofitting an older home for PVC can cost $1,500–$2,500 on top of the furnace price. Replacing before the deadline with a standard 80% AFUE unit may be more cost-effective if the venting isn't PVC-ready.

HVAC age estimate based on U.S. Census ACS housing vintage data and a 17-year replacement cycle. Actual system age varies by home.

Appliance Age Estimates for 95519

Median home built in 1998 (~28 years old). Appliance ages estimated from typical replacement cycles.

Water Heater
~4 yrs
Avg lifespan: 12 yrs · $800–$2500
Dishwasher
~4 yrs
Avg lifespan: 12 yrs · $700–$2500
Washing Machine
~4 yrs
Avg lifespan: 12 yrs · $600–$2200
Dryer
~2 yrs
Avg lifespan: 13 yrs · $500–$2000
Refrigerator
~0 yrs
Avg lifespan: 14 yrs · $1000–$4000
Garbage Disposal
~4 yrs
Avg lifespan: 12 yrs · $200–$600

How Water Quality Affects Appliance Lifespan

Water conditions in Mckinleyville directly impact how long your appliances last.

Hard Water
Mineral buildup (calcium, magnesium) clogs water heaters, dishwashers, and washing machines. Can reduce lifespan by 25–30%.
Sediment & Particulates
Sand and rust particles accelerate wear on valves, seals, and heating elements in water heaters and dishwashers.
High Chlorine
Corrodes rubber gaskets and seals in washing machines and dishwashers, leading to leaks and premature failure.
Low pH (Acidic Water)
Corrodes metal components inside water heaters and garbage disposals, shortening their service life.

Homes built before 2006 likely need water heater and garbage disposal replacement if not already done.

Appliance Maintenance FAQ

How often should I flush my water heater?

Flush your tank water heater at least once a year to remove sediment buildup. In areas with hard water, every 6 months is recommended. Sediment reduces heating efficiency and accelerates tank corrosion, shortening lifespan by 2–4 years.

When should I replace my dishwasher vs. repair it?

If your dishwasher is over 9 years old and the repair costs more than 50% of a new unit, replacement is generally more cost-effective. Common signs: dishes not getting clean, water pooling after cycles, or rust spots on the interior.

Does a water softener really extend appliance life?

Yes. A water softener can extend water heater lifespan by up to 30% and reduce dishwasher and washing machine maintenance by preventing mineral scale buildup on heating elements, valves, and spray arms. The Battelle Memorial Institute found that softened water kept water heaters at original factory efficiency over a 15-year period.

Estimates based on U.S. Census housing vintage data and manufacturer-average replacement cycles. Actual appliance age depends on renovation history and maintenance.

Electrical Safety for 95519

Median home built in 1998 (~28 years old).

Electrical Risk Level
Low
15% homes pre-1970
Est. Panel Age
~28 yrs
Avg lifespan: 25–40 yrs

Common Electrical Issues for 1998-Era Homes

  • Aging circuit breakers — breakers can weaken over time and fail to trip during overloads, creating fire hazards
  • Insufficient circuits — homes from this era may lack dedicated circuits for kitchen, bathroom, and laundry areas
  • Missing GFCI/AFCI protection — current code requires GFCI in wet areas and AFCI in bedrooms; older homes often lack both
  • Outdated panel capacity — 100–150 amp panels may be insufficient for modern loads (heat pumps, EV charging, home office)

⚠️ Insurance Compliance Alert

43% of homes in 95519 were built before 1986 — the era when Federal Pacific (FPE StabLok), Zinsco, and Challenger electrical panels were commonly installed.

These panels have a documented 60%+ breaker failure rate and are refused by major insurance companies including State Farm, Allstate, and Citizens (FL).

If you receive an insurance non-renewal notice or 4-point inspection failure:

  • Typical deadline: 30 days to replace panel
  • Replacement cost: $1,500–$4,000
  • Failure to replace: insurance cancellation → mortgage default risk

Insurance blacklist: State Farm, Farmers, Allstate, USAA, Mercury, Citizens (FL), Nationwide.

When to Call an Electrician

Urgent Signs
  • Burning smell from outlets or panel
  • Frequent breaker trips
  • Sparking or discolored outlets
  • Buzzing sounds from wiring or panel
Recommended Inspections
  • Before buying a home (especially pre-1980)
  • After any water damage or flooding
  • Before adding major appliances or EV charger
  • If your panel is 25+ years old

Electrical Safety Tips

Panel & Wiring
  • Never use a fuse with a higher amperage rating than the circuit is designed for
  • Label all breakers clearly in your electrical panel
  • Keep 3 feet of clearance in front of your electrical panel
Around the Home
  • Test GFCI outlets monthly using the built-in test button
  • Replace any cracked or warm outlet covers immediately
  • Do not daisy-chain power strips or extension cords

Electrical Safety Questions for 95519

How do I know if my electrical panel needs an upgrade?

Key signs include: frequent breaker trips, a panel over 25 years old, fuses instead of circuit breakers, visible rust or corrosion, and a panel rated below 200 amps if you have modern appliances, HVAC, or an EV charger. Based on census data, the median home in 95519 was built in 1998.

How much does an electrical panel upgrade cost?

A panel upgrade from 100 to 200 amps typically costs $1,500–$4,000 depending on your location and the complexity of the work. If the meter base or service entrance also needs replacement, costs can reach $4,000–$6,000. Rewiring a full home (common in pre-1960 homes) ranges from $8,000–$15,000+ depending on size and accessibility.

Is aluminum wiring dangerous?

Aluminum wiring itself is not inherently dangerous, but connections between aluminum wiring and copper devices (outlets, switches) can overheat due to differential thermal expansion. The Consumer Product Safety Commission (CPSC) found that homes with aluminum wiring are 55 times more likely to have fire-hazard conditions. If your home has aluminum wiring, a qualified electrician can install COPALUM or AlumiConn connectors to make connections safe.

Is my home likely to have a Federal Pacific or Zinsco panel?

These panels were installed primarily between 1960 and 1985. Based on census data, 43% of homes in 95519 were built during this era. If your home was built in this period and the panel has never been replaced, there is a meaningful chance it contains an FPE StabLok or Zinsco panel. Look for the brand name on your breaker panel door.

Electrical risk assessment based on U.S. Census ACS housing vintage data. Actual wiring and panel condition varies by home and renovation history.

CO & Gas Safety Profile

1
Low Gas Risk
PHMSA gas distribution incident risk score for 95519
County Incidents
2
gas distribution incidents since 2004
Fatalities
0
no deaths reported
Latest Incident
2010
most recent reported
Risk Level
Low
based on incident history
RISK SCORE 1/100
0 — Safe 100 — Highest Risk

CO & Gas Safety Tips

  • Install CO detectors on every level of your home and near sleeping areas. Replace batteries annually and units every 5-7 years.
  • Know gas leak signs: rotten egg smell, hissing sounds near gas lines, dead vegetation near pipelines, bubbling in standing water.
  • Annual inspection: have a licensed technician inspect gas appliances (furnace, water heater, stove) every year.
  • Emergency: if you smell gas, leave immediately, do not use electrical switches, and call 911 or your gas company from outside.

Protect Your Home from Carbon Monoxide

The CPSC recommends a CO detector on every level. Battery-operated models start at $20. Smart detectors with app alerts start at $35.

Product link may earn a commission — see our disclosure.

📊 PHMSA Gas Distribution Incidents · Updated March 2026 · View source →

Remodeling Permit Requirements in California

⚠ Strict Permit Enforcement
What Requires a Permit

Structural, electrical, plumbing, mechanical, HVAC, water heater, re-roofing, window replacement. Cosmetic-only work exempt.

Typical Permit Cost
$200 – $5000
Based on California fee schedules
Penalty for Non-Compliance

Fines up to $5,000 for first offense, retroactive permit at 2–10x normal fee, mandatory correction

Legal Reference: California Building Standards Code (Title 24, CCR); CBC §105.1

Why This Matters

  • Unpermitted work can reduce your home's appraised value by 10–20% and complicate or block a sale entirely.
  • Homeowner insurance may deny claims for damage caused by or related to unpermitted renovations.
  • Buyers' lenders may require proof of permits before approving a mortgage, especially for kitchens, bathrooms, and structural changes.
  • Unpermitted electrical and plumbing work is a leading cause of house fires and water damage — permits exist to ensure safety inspections.
  • If you are planning remodeling work in California, contact your local building department before starting any project that alters structure, electrical, plumbing, or mechanical systems.

Remodeling Permit Questions for 95519

What remodeling work requires a permit in California?

In California, permits are generally required for any work that alters the structure, electrical wiring, plumbing, or mechanical systems of a home. This includes kitchen and bathroom renovations involving plumbing or electrical changes, wall removal, room additions, window enlargements, re-roofing, and HVAC replacement. Purely cosmetic work — painting, flooring, cabinet refacing without plumbing changes — typically does not require a permit. Always check with your local building department, as municipal requirements may be stricter than state minimums.

What happens if I remodel without a permit in California?

Working without a required permit in California can result in Fines up to $5,000 for first offense, retroactive permit at 2–10x normal fee, mandatory correction. Beyond legal penalties, unpermitted work creates problems when selling: buyers' home inspectors and appraisers flag unpermitted additions, lenders may refuse financing, and title companies may require permits to be obtained retroactively — often at 2–3 times the original permit fee. In serious cases, you may be required to open walls for inspection or demolish non-compliant work.

How much does a remodeling permit cost in California?

Remodeling permit fees in California typically range from $200 to $5000, depending on the scope and value of the project. Most jurisdictions calculate fees as a percentage of the project's estimated construction cost (usually 1–2%) or use a flat fee schedule based on project type. Electrical and plumbing sub-permits may be billed separately. Contact your local building department for an exact fee quote before starting work.

Permit requirements based on California building codes and ICC adoption data. Costs reflect typical municipal fee schedules and may vary by jurisdiction, project scope, and valuation. This information is for general guidance only — contact your local building department for requirements specific to your project.

Cost & Community (5) OK

True Cost of Ownership

$4,170
estimated extra annual cost vs a median-risk US ZIP
Higher modeled annual risk-cost than 90% of US ZIP codes

How this ZIP compares

US median ZIP
$1,200
per year
CA median
$2,720
per year

Where the estimate comes from

Sea level rise$3,000
Flood$600
Wildfire$300
Show all 4 factors
Energy-code gap$270

5-year equipment outlook

Major home equipment that may reach the end of its typical service life within five years. Figures are national-average installed-cost ranges, not quotes.

Central HVAC system $3,500–$10,000
Estimated age ~11 yrs; typical service life 16 yrs
Estimated HVAC system age is near the end of its typical service life.
Estimated 5-year replacement range $3,500–$10,000

What this means

  • This is a modeled estimate of how much more — or less — a household here may spend each year on risk-related costs such as insurance, mitigation, testing, and maintenance, compared with a typical US ZIP.
  • It is a comparison figure for context, not a bill, a quote, or financial advice.
  • The 5-year equipment ranges above are separate one-time replacements, not part of the annual figure.

Planning for aging home equipment? — talk to a local expert.

Call (844) 439-2761

This is a free service. You will be connected with an independent service provider. We may receive compensation.

Methodology: Each of 13 risk verticals is assigned a dollar figure from public federal data; the total is the modeled annual difference from a median-risk US ZIP. The 5-year equipment outlook flags major home equipment whose estimated age is within five years of its typical service life; figures are national-average installed-cost ranges.

Estimates are modeled from public federal data. They are not quotes, prices, or financial or insurance advice.

Tax Burden in California

State tax rates affect cost of ownership. Here's how California compares to national averages.

Income Tax
13.3%
top marginal rate
US avg: 5.3%
Sales Tax
8.8%
combined avg
US avg: 6.6%
Property Tax
0.74%
effective rate
US avg: 0.98%
Sales Tax Breakdown
State rate: 7.25%
Avg local add-on: 1.57%

Highest top marginal income tax rate in the nation

Source: Tax Foundation 2024. Income tax = top marginal rate. Sales tax = state + avg local. Property tax = effective rate on home value.

Energy Costs in California

Residential electricity rate: 30.29¢/kWh78% above the national average (national avg: 17.0¢/kWh · EIA, December 2025)

California Energy Mix

Solar 27% Wind 7.9% Hydro 13.5% Geothermal 5.2% Nuclear 8.5% Gas 35.6%
Renewable energy
53.6%
Clean energy (incl. nuclear)
62.2%

Source: EIA Form 923, 2025 data. Renewable = solar + wind + hydro + geothermal.

📊 EIA + Census ACS · Updated March 2026 · View source →

Electric Utility for 95519

Provider
Pacific Gas & Electric Co.
Investor Owned
Residential Rate
39.6¢/kWh
State avg: 30.3¢/kWh

Source: U.S. Energy Information Administration, Form EIA-861 (2024 data). EIA ID: 14328.

Home Energy Audit for 95519

IRA Energy Incentives Are Time-Limited

The Inflation Reduction Act provides up to $8,000 in rebates and $3,200 in annual tax credits for home energy upgrades — but many provisions phase down or expire after 2032. A professional energy audit is the first step to qualifying for these incentives. Homes in 95519 average ~28 years old, making energy audits especially impactful.

Electricity Rate
39.6¢/kWh
State avg: 30.3¢/kWh (78% above U.S. avg)
Est. Annual Energy Cost
$3,180
based on avg U.S. household (10,500 kWh/yr)
Renewable Energy
54%
of California's electricity from renewables
Potential Annual Savings
$318–$795
10–25% savings from energy audit

What a Home Energy Audit Covers

Thermal Envelope
  • Insulation levels in attic, walls, and basement
  • Air leaks around windows, doors, and ducts
  • Blower door test (measures total air leakage)
Equipment & Systems
  • HVAC efficiency and age assessment
  • Water heater type and condition
  • Lighting and appliance energy use
Safety Checks
  • Carbon monoxide and combustion safety
  • Moisture and ventilation assessment
  • Gas leak detection
Deliverables
  • Prioritized list of recommended upgrades
  • Estimated cost and savings for each upgrade
  • Rebate and tax credit eligibility report
Potential Savings from an Energy Audit
  • The average home energy audit identifies $200–$400/year in savings (DOE)
  • Properly sealed and insulated homes save 15% on heating and cooling costs (DOE)
  • Heat pump upgrades can reduce heating costs by 30–50% compared to electric resistance
  • ENERGY STAR certified windows save $101–$583/year compared to single-pane windows
  • Weatherization assistance programs are available for income-qualifying households

Homes in 95519 are ~28 years old on average — older homes typically have the most to gain from an energy audit due to outdated insulation, single-pane windows, and aging HVAC systems.

Your Utility: Pacific Gas & Electric Co.

Pacific Gas & Electric Co. (Investor-owned) serves 95519. Your local residential rate is 39.6¢/kWh , which is above the national average — making energy efficiency improvements even more valuable . Many utilities offer additional rebates on top of federal IRA incentives — ask your energy auditor about programs from Pacific Gas & Electric Co..

Federal & State Incentives
IRA Tax Credits (IRC §25C) — up to $3,200/year
$2,000 — Heat pump / heat pump water heater
$1,600 — Insulation & air sealing
$600 — Windows & doors
$150 — Home energy audit itself
IRA Rebates (HEEHRA — income-qualified)
Up to $8,000 — Heat pump installation
Up to $1,600 — Insulation & air sealing
Up to $2,500 — Electrical panel upgrade
Up to $840 — Heat pump clothes dryer
30% tax credit for solar panels — extended through 2032 under the Inflation Reduction Act (IRC §25D). No annual cap for residential solar.

Under the Inflation Reduction Act. Income limits apply for HEEHRA rebates. Tax credits require tax liability. IRS details →

DOE Home Energy Audit Standards

To claim the $150 federal tax credit, your energy audit must meet DOE standards (10 CFR 440.21) and be performed by a qualified auditor. A DOE-compliant audit includes:

  • Blower door test to measure air infiltration
  • Infrared thermography to identify insulation gaps
  • Combustion safety testing for gas appliances
  • Written report with prioritized, cost-effective upgrade recommendations

Energy Audit Questions for 95519

How much does a home energy audit cost?

A professional home energy audit typically costs $150–$400 depending on the size of your home and the depth of testing. The Inflation Reduction Act provides a $150 tax credit for qualifying audits performed by a certified auditor, effectively covering a significant portion of the audit cost. Some utilities also subsidize audits for their customers — check with Pacific Gas & Electric Co. for local programs.

What is the difference between an energy audit and a home inspection?

A home inspection (done during a home sale) evaluates structural and safety conditions. An energy audit specifically measures how your home uses energy and identifies efficiency improvements. Energy audits use specialized tools like blower doors, infrared cameras, and duct blasters that are not part of a standard home inspection. The audit produces a prioritized list of upgrades with estimated costs and savings.

How much can I save after an energy audit?

According to the U.S. Department of Energy, the average audit identifies $200–$400/year in savings. Actual savings depend on your home's age, current insulation, HVAC efficiency, and local energy rates. At current rates in California, the average home spends approximately $3,180/year on electricity — a 15–25% reduction through audit-recommended upgrades could save $477–$795 annually. With homes in 95519 averaging ~28 years old, there is likely significant potential for improvement.

What rebates and tax credits are available for energy upgrades?

The Inflation Reduction Act (IRA) provides two types of incentives: (1) Tax credits up to $3,200/year for heat pumps ($2,000), insulation ($1,600), windows ($600), and the audit itself ($150); and (2) HEEHRA rebates for income-qualifying households — up to $8,000 for heat pumps, $1,600 for insulation, $2,500 for electrical panels, and $840 for heat pump dryers. Solar panels qualify for a separate 30% tax credit through 2032.

Do I need an energy audit before installing solar panels?

An energy audit is not legally required before installing solar, but the DOE strongly recommends it. Reducing your home's energy consumption before adding solar means you need a smaller (cheaper) system to cover your needs. An audit typically identifies 15–30% in energy reductions through insulation, air sealing, and HVAC improvements — which directly reduces the size and cost of a solar installation.

How long does a home energy audit take?

A comprehensive energy audit takes 2–4 hours for a typical single-family home. The auditor will inspect the attic, basement, walls, windows, HVAC system, water heater, and ductwork. Diagnostic tests (blower door, infrared scan) add precision to the findings. You will receive a written report within 1–2 weeks with prioritized recommendations and estimated costs.

Source: U.S. Energy Information Administration (EIA), U.S. Department of Energy (DOE), Inflation Reduction Act of 2022 (P.L. 117-169).

Safety Updates for Mckinleyville, California

Violations & Enforcement Timeline

2023-07-13 State Filed Suit
2023-06-20 State Order Extension

National safety news feed →

📊 EPA ECHO · Updated March 2026 · View source →

Recent Product Recalls

Recent CPSC recalls for plumbing and HVAC products that may affect homes in your area.

Superbobi 7 3/8 Inch Pool Drain Covers
Shenzhen Jiangtou Technology Co. · 2026-05-14

Electric Kettles (ENFINIGY 1.5 l and ENFINIGY Pro 1.5 l)
ZWILLING J. A. Henckels Aktiengesellschaft · 2026-05-14

Electric Start Pressure Washers
Generac Power Systems Expands · 2026-05-14

1-K Kerosene Heater Fluid Portable Fuel Containers
Alliance Chemical · 2026-04-30

View all recalls →

📊 CPSC · Updated March 2026 · View source →

Protect Your Home in Mckinleyville

Based on local data for ZIP 95519, these services may benefit homeowners in your area.

Based on local data for your area. Use the tools below to explore your options.

Home & Flood Insurance

Mckinleyville has 11 FEMA flood claims on record. Standard homeowner policies don't cover flood damage — make sure you're protected.

Typical cost: Flood insurance: typically $700–$1,500/year in flood-prone areas

Check Your Flood Zone (Free)

FEMA flood map lookup — see if your property is in a flood zone

Free tip: Check your FEMA flood zone at msc.fema.gov (free lookup)

Roofing Inspection & Repair

Active weather alerts in California increase the risk of roof damage from hail and high winds. A professional inspection can identify vulnerabilities.

Typical cost: Roof inspection: typically $75–$300; repairs $300–$1,500

Estimate Your Home Insurance Needs

Service recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.

Take Action

Concerned about these findings? Contact your local elected officials to ask what is being done about water quality in your area.

Email Your Representative

Don't know who to contact? Find your local representative at usa.gov/elected-officials

Frequently Asked Questions

Is the tap water in 95519 safe to drink?

Based on EPA SDWIS data, Mckinleyville's primary water system (Mckinleyville C.s.d.) has 2 recorded violations in the past 5 years, including 0 health-based. Check the full report above for details.

Where does 95519's water come from?

The primary water source for ZIP code 95519 is Groundwater. Mckinleyville C.s.d. serves approximately 16,900 people.

How can I get my water tested in Mckinleyville?

Contact your local water utility (Mckinleyville C.s.d.) for a free Consumer Confidence Report, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.

Is lead a concern in 95519 tap water?

The most recent lead sampling for 95519 recorded 0.00178 mg/L. The EPA action level is 0.015 mg/L. This result is below the EPA action level.

What is the radon risk for 95519?

95519 falls in EPA Radon Zone 3 (Low risk), located in Humboldt County. Zone 1 indicates the highest radon potential. Testing your home is recommended regardless of zone.

Are there flood risks in ZIP 95519?

Yes. FEMA records show 11 flood insurance claims filed in ZIP code 95519, with the dominant flood zone being A. Review FEMA flood maps for your specific property.

Nearby ZIP Code Reports

Water quality comparison for ZIP codes near 95519

ZIP Code City, State Distance Grade Violations
95521 Arcata, CA 5.0 mi A 0
95518 Arcata, CA 5.4 mi A 0
95570 Trinidad, CA 8.4 mi A 4
95524 Bayside, CA 8.4 mi B 0
95525 Blue Lake, CA 10.0 mi A 0
95501 Eureka, CA 11.2 mi A 4
95502 Eureka, CA 11.4 mi A 4
95534 Cutten, CA 11.4 mi A 0
95564 Samoa, CA 11.4 mi C 0
95503 Eureka, CA 13.5 mi A 4

Overall safety breakdown

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2026 Rankings

ZIP 95519 scores in the top tier nationally.

Coverage: 15/17 risk factors Data sources →
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