Natural Disaster Risk in Mountain Ranch
California
Risk Summary for Mountain Ranch
Mountain Ranch scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Mountain Ranch, California
Mountain Ranch is a small community of about 1,672 in Calaveras 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 Mountain Ranch.
FEMA rates Mountain Ranch's composite natural disaster risk at 6.0 out of 10 — high risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for drought and landslide risk in their preparedness planning.
Mountain Ranch'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 Calaveras County, the highest-scoring are wildfire, drought, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Mountain Ranch's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Mountain Ranch: Wildfire preparedness
- 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.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Local Factors for Mountain Ranch
These city-level factors differentiate Mountain Ranch from other communities in Calaveras County and provide geographic context for its hazard exposure.
Population
1,672
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 10.0/10
Coordinates
38.2366° N, 120.4959° W
Calaveras 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 Mountain Ranch
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mountain Ranch
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.