Natural Disaster Risk — ZIP Code 94188
San Francisco, California
Risk Summary for ZIP 94188
ZIP 94188 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 94188, California
ZIP 94188 covers part of the San Francisco area, in the western mountain region near the Pacific Coast. The surrounding region experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 94188's composite natural disaster risk at 5.5 out of 10 — moderate risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for landslide and tsunami risk in their preparedness planning.
ZIP 94188's risk score, slightly below the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are earthquake, landslide, and tsunami. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 94188'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 94188: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — 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.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
Risk for the surrounding area
Local Factors for ZIP 94188
These city-level factors differentiate ZIP 94188 from other communities in California County and provide geographic context for its hazard exposure.
Population
N/A
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.7°
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
37.7407° N, 122.3809° 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 94188
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.