Natural Disaster Risk — ZIP Code 94124

Natural Hazard Profile: ZIP 94124, California

ZIP 94124 in San Francisco sits in the western mountain region near the Pacific Coast. 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 94124 carries an overall risk score of 5.5/10, placing it in the moderate 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 landslide and tsunami.

Within California, ZIP 94124's risk is, slightly below the 5.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of California identifies earthquake as the foremost hazard, followed by landslide and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 94124'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.