🌍 ClimateRiskCheck

Natural Disaster Risk in Durham

California

6.0out of 10
High Risk

Risk Summary for Durham

Durham scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Wildfire Earthquake

All 18 Hazard Scores

Drought
10.0
Wildfire
9.9
Earthquake
9.8
Landslide
9.8
Volcanic Activity
9.8
Avalanche
8.6
Extreme Heat
8.4
Lightning
7.2
Tsunami
5.4
Coastal Flooding
4.9
Hail
4.2
Tornado
3.7
Winter Weather
3.5
Hurricane
2.4
Strong Wind
2.3
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Durham
6.0
California avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Durham, California

Located in the western mountain region near the Pacific Coast in Butte County, Durham is a town of roughly 3,943 residents. The Mediterranean climate that characterizes this part of California β€” marked by dry summers and mild, wet winters with pronounced drought cycles β€” directly influences the types and severity of natural hazards present, making Durham a community where hazard awareness has real practical value.

Durham's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include wildfire and earthquake.

Relative to other U.S. communities, Durham's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by drought and wildfire, as measured by FEMA across Butte County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Durham residents benefit from taking preparedness seriously. Reviewing insurance coverage for drought and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Durham: Drought preparedness

  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.

Local Factors for Durham

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

Population

3,943

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 39.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.9/10

Coordinates

39.6050Β° N, 121.7971Β° W

Butte 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 Durham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Durham

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.