🌍 ClimateRiskCheck

Natural Disaster Risk in Georgetown

California

6.1out of 10
High Risk

Risk Summary for Georgetown

Georgetown scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Landslide

All 18 Hazard Scores

Wildfire
10.0
Landslide
9.7
Volcanic Activity
9.7
Avalanche
9.7
Earthquake
9.3
Winter Weather
8.7
Drought
8.0
Lightning
7.3
Extreme Heat
7.2
Tsunami
5.4
Coastal Flooding
4.9
Strong Wind
2.9
Hail
2.9
Tornado
2.4
Hurricane
2.4
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Georgetown
6.1
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: Georgetown, California

Georgetown, in El Dorado County, is a town of roughly 3,536 residents 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 Georgetown residents and property owners must navigate.

According to FEMA's National Risk Index, Georgetown carries an overall risk score of 6.1/10, placing it in the high category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to avalanche and landslide.

Within California, Georgetown's risk is, near the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of El Dorado County identifies wildfire as the foremost hazard, followed by avalanche and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Georgetown residents benefit from taking preparedness seriously. Reviewing insurance coverage for wildfire 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 Georgetown: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Georgetown

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

Population

3,536

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 10.0/10

Coordinates

38.9123Β° N, 120.6944Β° W

El Dorado 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 Georgetown

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Georgetown

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.