Natural Disaster Risk — ZIP Code 83646
Meridian, Idaho
Risk Summary for ZIP 83646
ZIP 83646 scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 83646, Idaho
ZIP 83646 covers part of the Meridian area, in the western mountain region near the Pacific Coast. The surrounding region experiences dry summers, cold winters, and significant wildfire risk, with a high fire danger period from July through September 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 83646's composite natural disaster risk at 7.1 out of 10 — high risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for volcano and wildfire risk in their preparedness planning.
ZIP 83646's risk score, considerably above the 5.1/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, volcano, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 83646's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 83646: Winter Weather preparedness
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Risk for the surrounding area
Local Factors for ZIP 83646
These city-level factors differentiate ZIP 83646 from other communities in Idaho County and provide geographic context for its hazard exposure.
Population
76,023
UrbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Cool Continental
Latitude 43.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.8/10
Coordinates
43.6500° N, 116.4325° 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 83646
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Idaho
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 — consult official emergency management resources and a licensed insurer for property-specific advice.