Natural Disaster Risk — ZIP Code 94108
San Francisco, California
Risk Summary for ZIP 94108
ZIP 94108 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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 94108, California
Located in the western mountain region near the Pacific Coast, ZIP 94108 serves the San Francisco community. The Mediterranean climate of this part of California — bringing dry summers and mild, wet winters with pronounced drought cycles — directly shapes the hazard exposure for properties in this postal area.
ZIP 94108's overall natural disaster risk is rated 5.5/10 (Moderate) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include landslide and tsunami.
Relative to other U.S. communities, ZIP 94108's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by earthquake and landslide, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 94108's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that earthquake exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 94108: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- 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 — a separate earthquake policy or endorsement is needed.
Risk for the surrounding area
Local Factors for ZIP 94108
These city-level factors differentiate ZIP 94108 from other communities in California County and provide geographic context for its hazard exposure.
Population
11,305
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — limited fire-prone terrain nearby
Fire score: 3.8/10
Coordinates
37.7919° N, 122.4085° 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 94108
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.