Natural Disaster Risk — ZIP Code 94946

Natural Hazard Profile: ZIP 94946, California

ZIP 94946 in Nicasio 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 94946 carries an overall risk score of 5.6/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to earthquake and landslide.

Within California, ZIP 94946's risk is, near 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 coastal flood as the foremost hazard, followed by earthquake and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 94946'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 coastal flood exposure is adequately protected is a worthwhile step for property owners.