Natural Disaster Risk — ZIP Code 86038
Mormon Lake, Arizona
Risk Summary for ZIP 86038
ZIP 86038 scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.
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 86038, Arizona
Located in the arid interior West, ZIP 86038 serves the Mormon Lake community. The desert climate of this part of Arizona — bringing intense summer heat and very low annual precipitation — directly shapes the hazard exposure for properties in this postal area.
ZIP 86038's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include volcano and wildfire.
Relative to other U.S. communities, ZIP 86038's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.1/10 state average. The hazard distribution here is led by lightning and volcano, as measured by FEMA across Arizona. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 86038'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 86038: Lightning preparedness
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
Risk for the surrounding area
Local Factors for ZIP 86038
These city-level factors differentiate ZIP 86038 from other communities in Arizona County and provide geographic context for its hazard exposure.
Population
184
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.9/10
Coordinates
34.9018° N, 111.4916° 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 86038
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.