Natural Disaster Risk — ZIP Code 85364
Yuma, Arizona
Risk Summary for ZIP 85364
ZIP 85364 scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 85364, Arizona
ZIP 85364 in Yuma sits in the arid interior West. Its desert climate produces intense summer heat and very low annual precipitation, and notably a summer monsoon season bringing flash flood risk. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 85364 carries an overall risk score of 5.2/10, placing it in the moderate category. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. The area also faces notable exposure to heat and volcano.
Within Arizona, ZIP 85364's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Arizona identifies earthquake as the foremost hazard, followed by heat and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 85364'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 earthquake exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 85364: Earthquake preparedness
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
Risk for the surrounding area
Local Factors for ZIP 85364
These city-level factors differentiate ZIP 85364 from other communities in Arizona County and provide geographic context for its hazard exposure.
Population
72,960
UrbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 6.4/10
Coordinates
32.7047° N, 114.6566° 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 85364
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Arizona
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.