🌍 ClimateRiskCheck

Natural Disaster Risk in Kirkwood

California

4.2out of 10
Moderate Risk

Risk Summary for Kirkwood

Kirkwood scores 4.2/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Volcanic Activity Wildfire

All 18 Hazard Scores

Avalanche
9.8
Volcanic Activity
9.3
Wildfire
9.0
Landslide
7.1
Earthquake
5.9
Winter Weather
5.6
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
2.4
Drought
1.7
Extreme Heat
1.7
Strong Wind
1.6
Lightning
1.5
Hail
1.4
Tornado
1.3
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Kirkwood
4.2
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: Kirkwood, California

Kirkwood is a small unincorporated community in Alpine County, in the western mountain region near the Pacific Coast. The area experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall 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 Kirkwood.

According to FEMA's National Risk Index, Kirkwood carries an overall risk score of 4.2/10, 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 volcano and wildfire.

Kirkwood's risk score, considerably below the 5.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Alpine County, the highest-scoring are avalanche, volcano, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Kirkwood 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 Kirkwood: 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 Kirkwood

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

Population

218

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.0/10

Coordinates

38.6383Β° N, 120.0181Β° W

Alpine 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 Kirkwood

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kirkwood

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.