🌍 ClimateRiskCheck

Natural Disaster Risk in Smith River

California

4.9out of 10
Moderate Risk

Risk Summary for Smith River

Smith River scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tsunami.

Top Hazards

Tsunami Landslide Earthquake

All 18 Hazard Scores

Tsunami
10.0
Landslide
9.9
Earthquake
9.5
Coastal Flooding
9.2
Avalanche
8.9
Wildfire
8.7
Volcanic Activity
5.1
Drought
4.7
Extreme Heat
2.6
Hurricane
2.4
Lightning
2.3
Winter Weather
2.1
Strong Wind
1.6
Hail
1.6
Tornado
1.5
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Smith River
4.9
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: Smith River, California

Located in the western mountain region near the Pacific Coast in Del Norte County, Smith River is a small community of about 2,058. The Mediterranean climate that characterizes this part of California β€” marked by dry summers and mild, wet winters with pronounced drought cycles β€” directly influences the types and severity of natural hazards present, making Smith River a community where hazard awareness has real practical value.

Smith River's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. Secondary hazards include landslide and earthquake.

Relative to other U.S. communities, Smith River's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by tsunami and landslide, as measured by FEMA across Del Norte County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Smith River 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 tsunami is recommended.

What this means for Smith River: Tsunami preparedness

  • Learn your community evacuation routes and the location of designated assembly areas.
  • Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
  • If you feel strong shaking near the coast, move to high ground immediately β€” do not wait for an official warning.

Local Factors for Smith River

These city-level factors differentiate Smith River from other communities in Del Norte County and provide geographic context for its hazard exposure.

Population

2,058

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 41.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.7/10

Coordinates

41.9498Β° N, 124.1118Β° W

Del Norte 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 Smith River

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Smith River

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.