Natural Disaster Risk — ZIP Code 89314
Duckwater, Nevada
Risk Summary for ZIP 89314
ZIP 89314 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
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 89314, Nevada
Located in the Great Plains, ZIP 89314 serves the Duckwater community. The desert climate of this part of Nevada — bringing extreme summer heat and very low precipitation — directly shapes the hazard exposure for properties in this postal area.
ZIP 89314's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include avalanche and volcano.
Relative to other U.S. communities, ZIP 89314's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.1/10 state average. The hazard distribution here is led by heat and avalanche, as measured by FEMA across Nevada. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 89314 residents are well-served by maintaining standard preparedness practices — 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 89314: Extreme Heat preparedness
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- 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.
Risk for the surrounding area
Local Factors for ZIP 89314
These city-level factors differentiate ZIP 89314 from other communities in Nevada County and provide geographic context for its hazard exposure.
Population
103
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 8.3/10
Coordinates
38.8622° N, 115.6419° 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 89314
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.