Natural Disaster Risk — ZIP Code 83861

Natural Hazard Profile: ZIP 83861, Idaho

ZIP 83861 in Saint Maries sits in the Pacific Northwest. Its semi-arid climate produces dry summers, cold winters, and significant wildfire risk, and notably a high fire danger period from July through September. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 83861 carries an overall risk score of 4.4/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and wildfire.

Within Idaho, ZIP 83861's risk is, slightly below the 5.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Idaho identifies landslide as the foremost hazard, followed by avalanche and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 83861'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 landslide exposure is adequately protected is a worthwhile step for property owners.