Natural Disaster Risk — ZIP Code 89419
Lovelock, Nevada
Risk Summary for ZIP 89419
ZIP 89419 scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Volcanic Activity.
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 89419, Nevada
Located in the western mountain region near the Pacific Coast, ZIP 89419 serves the Lovelock 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 89419's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Volcanic hazard exposure defines the local risk environment, driven by proximity to one of the most active volcanic systems in the United States. Secondary hazards include avalanche and wildfire.
Relative to other U.S. communities, ZIP 89419's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.1/10 state average. The hazard distribution here is led by volcano 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 89419 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 volcano is recommended.
What this means for ZIP 89419: Volcanic Activity preparedness
- Monitor official volcano alert levels and have an evacuation plan for lava or lahar zones.
- Protect electronics and HVAC systems from fine volcanic ash during eruptions.
- Keep dust masks and eye protection on hand for ashfall events, which can affect breathing and visibility.
Risk for the surrounding area
Local Factors for ZIP 89419
These city-level factors differentiate ZIP 89419 from other communities in Nevada County and provide geographic context for its hazard exposure.
Population
4,595
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 40.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 8.9/10
Coordinates
40.3431° N, 118.2983° 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 89419
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.