Natural Disaster Risk — ZIP Code 94114
San Francisco, California
Risk Summary for ZIP 94114
ZIP 94114 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 94114, California
Located in the western mountain region near the Pacific Coast, ZIP 94114 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 94114'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 94114'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.
With a moderate risk rating, ZIP 94114 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 earthquake is recommended.
What this means for ZIP 94114: 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 94114
These city-level factors differentiate ZIP 94114 from other communities in California County and provide geographic context for its hazard exposure.
Population
33,020
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
37.7581° N, 122.4355° 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 94114
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.