Natural Disaster Risk in Larkspur
California
Risk Summary for Larkspur
Larkspur scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Larkspur, California
Larkspur is a town of roughly 7,315 residents in Marin 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 Larkspur.
FEMA rates Larkspur's composite natural disaster risk at 5.6 out of 10 β moderate risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for earthquake and landslide risk in their preparedness planning.
Larkspur's risk score, near the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Marin County, the highest-scoring are coastal flood, earthquake, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Larkspur 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 coastal flood is recommended.
What this means for Larkspur: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Local Factors for Larkspur
These city-level factors differentiate Larkspur from other communities in Marin County and provide geographic context for its hazard exposure.
Population
7,315
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.9Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.5/10
Coordinates
37.9372Β° N, 122.5352Β° W
Marin 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 Larkspur
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Larkspur
Other cities in California
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.