Natural Disaster Risk in Stewarts Point
California
Risk Summary for Stewarts Point
Stewarts Point scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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: Stewarts Point, California
Located in the western mountain region near the Pacific Coast in Sonoma County, Stewarts Point is a small unincorporated community. The Mediterranean climate that characterizes this part of California — marked by dry summers and mild, wet winters with pronounced drought cycles — directly influences the types and severity of natural hazards present, making Stewarts Point a community where hazard awareness has real practical value.
Stewarts Point's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include landslide and drought.
Relative to other U.S. communities, Stewarts Point's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by earthquake and landslide, as measured by FEMA across Sonoma County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Stewarts Point'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 Stewarts Point: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for Stewarts Point
These city-level factors differentiate Stewarts Point from other communities in Sonoma County and provide geographic context for its hazard exposure.
Population
8
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.8/10
Coordinates
38.6846° N, 123.3680° W
Sonoma 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 Stewarts Point
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Stewarts Point
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.