🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 89048

Pahrump, Nevada

5.8out of 10
Moderate Risk

Risk Summary for ZIP 89048

ZIP 89048 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Avalanche Volcanic Activity

All 18 Hazard Scores

Extreme Heat
9.7
Volcanic Activity
9.5
Avalanche
9.5
Earthquake
9.2
Lightning
8.6
Wildfire
8.3
Winter Weather
7.3
Landslide
6.5
Drought
5.4
Tsunami
5.4
Strong Wind
5.1
Coastal Flooding
4.9
Hurricane
2.4
Cold Wave
2.1
Hail
2.0
Tornado
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

ZIP 89048
5.8
Nevada avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 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 89048, Nevada

ZIP 89048 in Pahrump sits in the Great Plains. Its desert climate produces extreme summer heat and very low precipitation, and notably intense heat waves in summer. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 89048 carries an overall risk score of 5.8/10, placing it in the moderate category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to avalanche and volcano.

Within Nevada, ZIP 89048's risk is, slightly above the 5.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Nevada identifies heat as the foremost hazard, followed by avalanche and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 89048 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 heat is recommended.

What this means for ZIP 89048: Extreme Heat preparedness

  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.

Risk for the surrounding area

Local Factors for ZIP 89048

These city-level factors differentiate ZIP 89048 from other communities in Nevada County and provide geographic context for its hazard exposure.

Population

26,486

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Mild Temperate

Latitude 36.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.3/10

Coordinates

36.1645Β° N, 115.9883Β° 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 89048

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Nevada

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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.