Natural Disaster Risk in Stinson Beach
California
Risk Summary for Stinson Beach
Stinson Beach scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: Stinson Beach, California
Stinson Beach is a small unincorporated community in Marin 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 Stinson Beach.
According to FEMA's National Risk Index, Stinson Beach carries an overall risk score of 5.6/10, placing it in the moderate category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to earthquake and landslide.
Stinson Beach'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 Marin County, the highest-scoring are coastal flood, earthquake, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Stinson Beach residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.
What this means for Stinson Beach: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Local Factors for Stinson Beach
These city-level factors differentiate Stinson Beach from other communities in Marin County and provide geographic context for its hazard exposure.
Population
255
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.5/10
Coordinates
37.9169° N, 122.6555° W
Marin 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 Stinson Beach
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Stinson Beach
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.