🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 89404

Denio, Nevada

4.9out of 10
Moderate Risk

Risk Summary for ZIP 89404

ZIP 89404 scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Volcanic Activity

All 18 Hazard Scores

Wildfire
9.7
Avalanche
9.6
Volcanic Activity
9.4
Drought
8.3
Earthquake
8.1
Winter Weather
7.4
Tsunami
5.4
Coastal Flooding
4.9
Extreme Heat
4.7
Landslide
4.5
Hurricane
2.4
Lightning
2.3
Cold Wave
1.7
Strong Wind
1.5
Tornado
1.4
Hail
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

ZIP 89404
4.9
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 89404, Nevada

Located in the western mountain region near the Pacific Coast, ZIP 89404 serves the Denio community. The desert climate of this part of Nevada β€” bringing extreme summer heat and very low precipitation β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 89404's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include avalanche and volcano.

Relative to other U.S. communities, ZIP 89404's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.1/10 state average. The hazard distribution here is led by wildfire 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 89404 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 89404: Wildfire preparedness

  • 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.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.

Risk for the surrounding area

Local Factors for ZIP 89404

These city-level factors differentiate ZIP 89404 from other communities in Nevada County and provide geographic context for its hazard exposure.

Population

36

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 41.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.7/10

Coordinates

41.8070Β° N, 118.8881Β° 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 89404

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.