It’s not a problem until it gets to the lungs.
That probably means that the highest risk is to people whose lungs are already compromised, from smoking, or asthma, or other things. That might also explain why there have been no reported instances of it killing kids.
[Update a few minutes later]
What are the chances of someone in your company getting it?
Asthma isn’t a serious risk factor for dying from normal viral pneumonia, so it probably isn’t for this, either. But smoking is.
With the air pollution in China its not shocking that they have so many ill/possibly dead.
The initial conditions for the probability analysis are off (though exponential growth diminishes the impact). San Francisco (the city proper) is quite small in area, but lots more live in the nearby suburbs.
Depending on where you draw the line, overall metro area population is more like 7.7 million.
The sfbay outbreak’s epicenter is in Santa Clara county with 32 known cases among 2 million population. Sadly I haven’t seen a genomic analysis of the Santa Clara outbreak like the one done for the Washington state outbreak (which estimated 80-1500 total cases (5%-95% range) at the time).