Natural Disaster Risk — ZIP Code 83809

Natural Hazard Profile: ZIP 83809, Idaho

Located in the Pacific Northwest, ZIP 83809 serves the Careywood 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 83809's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include landslide and winter.

Relative to other U.S. communities, ZIP 83809's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.1/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Idaho. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 83809'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 avalanche exposure is adequately protected is a worthwhile step for property owners.