Natural Disaster Risk — ZIP Code 94903
San Rafael, California
Risk Summary for ZIP 94903
ZIP 94903 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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 94903, California
Located in the western mountain region near the Pacific Coast, ZIP 94903 serves the San Rafael 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 94903's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include earthquake and landslide.
Relative to other U.S. communities, ZIP 94903's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by coastal flood and earthquake, 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 94903 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 coastal flood is recommended.
What this means for ZIP 94903: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Risk for the surrounding area
Local Factors for ZIP 94903
These city-level factors differentiate ZIP 94903 from other communities in California County and provide geographic context for its hazard exposure.
Population
30,615
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.5/10
Coordinates
38.0249° N, 122.5522° 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 94903
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.