Monterey, California has a relatively high risk of natural disasters and climate-related hazards, with a risk score of 98.38 and a risk rating of "Relatively High". The county faces threats from wildfires, landslides, lightning strikes, and flooding, with historical events such as wildfires and landslides impacting the area. The presence of fault lines, mountain peaks, and coastlines further exacerbates the risk of earthquakes, tsunamis, and storm surges, contributing to the overall hazard risk index of 263,588,413.775.

Specific climate factors for Monterey include its proximity to the Pacific Ocean, which can lead to severe storms, high winds, and coastal flooding. The area's mountainous terrain increases the risk of landslides and mudslides during heavy rainfall, with a risk score for landslides rated as "Very High". Additionally, the county's agricultural value and population density add to the overall risk and vulnerability, with a relatively high expected annual loss value of 192,004,893.328.

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