🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 90038

Los Angeles, California

7.6out of 10
High Risk

Risk Summary for ZIP 90038

ZIP 90038 scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Wildfire Avalanche

All 18 Hazard Scores

Wildfire
10.0
Earthquake
10.0
Extreme Heat
9.9
Landslide
9.9
Tsunami
9.9
Avalanche
9.9
Coastal Flooding
9.9
Tornado
9.8
Lightning
9.7
Hail
9.4
Strong Wind
7.8
Winter Weather
7.8
Drought
5.1
Volcanic Activity
5.1
Hurricane
2.4
Cold Wave
1.8
Ice Storm
1.3
Riverine Flooding
1.0

How it compares

ZIP 90038
7.6
California avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 90038, California

ZIP 90038 in Los Angeles sits in the southwestern United States with Pacific Coast influence. Its Mediterranean climate produces dry summers and mild, wet winters with pronounced drought cycles, and notably a critical fire season from late summer through fall. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 90038 carries an overall risk score of 7.6/10, placing it in the high category. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. The area also faces notable exposure to wildfire and avalanche.

Within California, ZIP 90038's risk is, considerably above the 5.9/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of California identifies earthquake as the foremost hazard, followed by wildfire and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 90038 residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 90038: Earthquake preparedness

  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.

Risk for the surrounding area

Local Factors for ZIP 90038

These city-level factors differentiate ZIP 90038 from other communities in California County and provide geographic context for its hazard exposure.

Population

27,127

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Mild Temperate

Latitude 34.1Β°

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

34.0888Β° N, 118.3267Β° 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 90038

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in California

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.