Natural Disaster Risk — ZIP Code 83638

Natural Hazard Profile: ZIP 83638, Idaho

Located in the northern tier of the continental United States, ZIP 83638 serves the Mccall community. The semi-arid climate of this part of Idaho — bringing dry summers, cold winters, and significant wildfire risk — directly shapes the hazard exposure for properties in this postal area.

ZIP 83638's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include avalanche and landslide.

Relative to other U.S. communities, ZIP 83638's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.1/10 state average. The hazard distribution here is led by wildfire and avalanche, as measured by FEMA across Idaho. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 83638'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 wildfire exposure is adequately protected is a worthwhile step for property owners.