Natural Disaster Risk in San Francisco
California
5.5out of 10
Risk Summary for San Francisco
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Earthquake Landslide Tsunami
All 18 Hazard Scores
Earthquake 10.0
Landslide 9.9
Tsunami 9.9
Extreme Heat 9.5
Coastal Flooding 9.5
Volcanic Activity 9.4
Drought 7.3
Avalanche 4.5
Tornado 4.3
Lightning 3.9
Wildfire 3.8
Hail 2.8
Hurricane 2.4
Strong Wind 2.1
Winter Weather 1.4
Ice Storm 1.3
Cold Wave 1.2
Riverine Flooding 1.0
How it compares
San Francisco 5.5
California avg. 5.9
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Average risk — 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.
ZIP Codes in San Francisco
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.