🌍 ClimateRiskCheck

Natural Disaster Risk in Homer

Alaska

5.7out of 10
Moderate Risk

Risk Summary for Homer

Homer scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Tsunami Earthquake

All 18 Hazard Scores

Tsunami
10.0
Avalanche
10.0
Earthquake
9.9
Volcanic Activity
9.9
Landslide
9.8
Wildfire
9.7
Winter Weather
9.5
Coastal Flooding
9.1
Ice Storm
3.7
Lightning
2.6
Cold Wave
2.5
Hurricane
2.4
Drought
2.3
Hail
1.5
Tornado
1.3
Strong Wind
1.2
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

Homer
5.7
Alaska avg.
4.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Homer, Alaska

Homer is a city of approximately 11,693 residents in Kenai Peninsula County, in Alaska, the northernmost U.S. state. The area experiences subarctic conditions with extreme cold winters and brief summers, with severe winter storms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Homer.

According to FEMA's National Risk Index, Homer carries an overall risk score of 5.7/10, placing it in the moderate category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to tsunami and earthquake.

Homer's risk score, slightly above the 4.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Kenai Peninsula County, the highest-scoring are avalanche, tsunami, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Homer residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Homer: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Local Factors for Homer

These city-level factors differentiate Homer from other communities in Kenai Peninsula County and provide geographic context for its hazard exposure.

Population

11,693

Suburban

Geographic Zone

Arctic / Subarctic

Permafrost & coastal erosion risk

Climate Band

Subarctic / Arctic

Latitude 59.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.7/10

Coordinates

59.5236Β° N, 151.2286Β° W

Kenai Peninsula County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Homer

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Homer

Other cities in Alaska

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.