🌍 ClimateRiskCheck

Natural Disaster Risk in Carlotta

California

5.5out of 10
Moderate Risk

Risk Summary for Carlotta

Carlotta scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Tsunami Earthquake

All 18 Hazard Scores

Landslide
10.0
Tsunami
10.0
Earthquake
9.9
Coastal Flooding
9.8
Wildfire
9.6
Avalanche
9.0
Drought
8.1
Extreme Heat
5.4
Volcanic Activity
5.1
Lightning
4.1
Hail
2.6
Hurricane
2.4
Winter Weather
2.2
Tornado
1.9
Strong Wind
1.6
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Carlotta
5.5
California avg.
5.9
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: Carlotta, California

Carlotta, in Humboldt County, is a small community of about 1,286 situated in the western mountain region near the Pacific Coast. Its Mediterranean climate brings dry summers and mild, wet winters with pronounced drought cycles, and in particular a critical fire season from late summer through fall. These conditions collectively define the natural hazard environment that Carlotta residents and property owners must navigate.

Carlotta's overall natural disaster risk is rated 5.5/10 (Moderate) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include tsunami and earthquake.

Within California, Carlotta's risk is, slightly below the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Humboldt County identifies landslide as the foremost hazard, followed by tsunami and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Carlotta 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 landslide is recommended.

What this means for Carlotta: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Carlotta

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

Population

1,286

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 40.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.6/10

Coordinates

40.4936Β° N, 123.9239Β° W

Humboldt 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 Carlotta

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Carlotta

Other cities in California

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.