🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 25149

Ottawa, West Virginia

5.3out of 10
Moderate Risk

Risk Summary for ZIP 25149

ZIP 25149 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Wildfire

All 18 Hazard Scores

Avalanche
9.6
Landslide
9.2
Wildfire
7.7
Extreme Heat
6.5
Hurricane
6.3
Lightning
5.6
Strong Wind
5.4
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.1
Coastal Flooding
4.9
Earthquake
4.6
Winter Weather
4.6
Hail
3.4
Cold Wave
2.4
Tornado
2.2
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 25149
5.3
West Virginia avg.
5.0
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: ZIP 25149, West Virginia

ZIP 25149 covers part of the Ottawa area, in the interior eastern United States. The surrounding region experiences cold winters, warm summers, and mountainous terrain that intensifies flooding, with flash flooding and winter storms shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 25149's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for landslide and wildfire risk in their preparedness planning.

ZIP 25149's risk score, near the 5.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 25149 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 avalanche is recommended.

What this means for ZIP 25149: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Risk for the surrounding area

Local Factors for ZIP 25149

These city-level factors differentiate ZIP 25149 from other communities in West Virginia County and provide geographic context for its hazard exposure.

Population

231

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.7/10

Coordinates

37.9558Β° N, 81.7745Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 25149

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in West Virginia

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.