🌍 ClimateRiskCheck

Natural Disaster Risk in Murphys

California

6.0out of 10
High Risk

Risk Summary for Murphys

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

Top Hazards

Wildfire Drought Landslide

All 18 Hazard Scores

Wildfire
10.0
Drought
9.8
Landslide
9.7
Volcanic Activity
9.7
Winter Weather
9.3
Avalanche
8.8
Extreme Heat
8.6
Earthquake
8.0
Lightning
6.2
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
2.4
Strong Wind
2.1
Tornado
1.9
Hail
1.9
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Murphys
6.0
California avg.
5.9
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Murphys, California

Murphys, in Calaveras County, is a town of roughly 3,858 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 Murphys residents and property owners must navigate.

According to FEMA's National Risk Index, Murphys carries an overall risk score of 6.0/10, 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 drought and landslide.

Within California, Murphys'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 Calaveras County identifies wildfire as the foremost hazard, followed by drought and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Murphys'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 Murphys: 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 Murphys

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

Population

3,858

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.1Β°

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

38.1426Β° N, 120.4436Β° 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 Murphys

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Murphys

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.