Natural Disaster Risk β ZIP Code 83871
Troy, Idaho
Risk Summary for ZIP 83871
ZIP 83871 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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 83871, Idaho
ZIP 83871 covers part of the Troy area, in the Pacific Northwest. 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 83871's composite natural disaster risk at 4.7 out of 10 β moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for avalanche and landslide risk in their preparedness planning.
ZIP 83871's risk score, near the 5.1/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are wildfire, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 83871 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 wildfire is recommended.
What this means for ZIP 83871: Wildfire preparedness
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Risk for the surrounding area
Local Factors for ZIP 83871
These city-level factors differentiate ZIP 83871 from other communities in Idaho County and provide geographic context for its hazard exposure.
Population
2,240
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Cool Continental
Latitude 46.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.3/10
Coordinates
46.7459Β° N, 116.7387Β° 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 83871
Last 12 months Β· 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 1β10 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.