🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 89828

Lamoille, Nevada

5.5out of 10
Moderate Risk

Risk Summary for ZIP 89828

ZIP 89828 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Volcanic Activity

All 18 Hazard Scores

Wildfire
10.0
Avalanche
9.6
Volcanic Activity
9.2
Winter Weather
8.9
Earthquake
8.6
Extreme Heat
6.2
Landslide
6.2
Lightning
5.8
Tsunami
5.4
Coastal Flooding
4.9
Drought
4.7
Cold Wave
3.2
Hail
3.1
Strong Wind
2.8
Hurricane
2.4
Tornado
1.4
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

ZIP 89828
5.5
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 89828, Nevada

ZIP 89828 in Lamoille 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 89828 carries an overall risk score of 5.5/10, placing it in the moderate category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to avalanche and volcano.

Within Nevada, ZIP 89828'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 wildfire 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 89828 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 89828: Wildfire preparedness

  • 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.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Risk for the surrounding area

Local Factors for ZIP 89828

These city-level factors differentiate ZIP 89828 from other communities in Nevada County and provide geographic context for its hazard exposure.

Population

271

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 40.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 10.0/10

Coordinates

40.7738Β° N, 115.3640Β° 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 89828

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.