🌍 ClimateRiskCheck

Natural Disaster Risk in Smith

Nevada

5.8out of 10
Moderate Risk

Risk Summary for Smith

Smith scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Volcanic Activity Earthquake

All 18 Hazard Scores

Wildfire
9.7
Volcanic Activity
9.6
Earthquake
9.5
Winter Weather
9.2
Avalanche
8.5
Drought
7.4
Extreme Heat
7.2
Lightning
6.1
Tsunami
5.4
Coastal Flooding
4.9
Ice Storm
4.5
Landslide
4.3
Hail
4.2
Strong Wind
3.5
Hurricane
2.4
Tornado
1.4
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Smith
5.8
Nevada avg.
5.1
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, Nevada

Smith is a small unincorporated community in Lyon County, in the western mountain region near the Pacific Coast. The area experiences extreme summer heat and very low precipitation, with intense heat waves in summer 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 Smith.

According to FEMA's National Risk Index, Smith carries an overall risk score of 5.8/10, placing it in the moderate category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to volcano and earthquake.

Smith's risk score, slightly above the 5.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Lyon County, the highest-scoring are wildfire, volcano, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Smith 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 wildfire is recommended.

What this means for Smith: Wildfire preparedness

  • 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.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Local Factors for Smith

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

Population

175

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.7/10

Coordinates

38.7957Β° N, 119.3179Β° W

Lyon 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

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Smith

Other cities in Nevada

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.