Natural Disaster Risk in Deer Harbor
Washington
Risk Summary for Deer Harbor
Deer Harbor scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tsunami.
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: Deer Harbor, Washington
Deer Harbor is a small unincorporated community in San Juan County, in the Pacific Northwest. The area experiences mild, rainy winters west of the Cascades and semi-arid conditions to the east, with a critical wildfire period in eastern Washington each 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 Deer Harbor.
According to FEMA's National Risk Index, Deer Harbor carries an overall risk score of 4.7/10, placing it in the moderate category. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. The area also faces notable exposure to volcano and coastal flood.
Deer Harbor's risk score, slightly below the 5.8/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for San Juan County, the highest-scoring are tsunami, volcano, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Deer Harbor's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that tsunami exposure is adequately protected is a worthwhile step for property owners.
What this means for Deer Harbor: Tsunami preparedness
- If you feel strong shaking near the coast, move to high ground immediately — do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
Local Factors for Deer Harbor
These city-level factors differentiate Deer Harbor from other communities in San Juan County and provide geographic context for its hazard exposure.
Population
327
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Northern Continental
Latitude 48.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 4.9/10
Coordinates
48.6151° N, 122.9988° W
San Juan 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 Deer Harbor
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Deer Harbor
Other cities in Washington
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.