🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 94952

Petaluma, California

5.6out of 10
Moderate Risk

Risk Summary for ZIP 94952

ZIP 94952 scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Earthquake Landslide

All 18 Hazard Scores

Coastal Flooding
10.0
Earthquake
9.9
Landslide
9.9
Tsunami
9.9
Volcanic Activity
9.7
Wildfire
9.5
Extreme Heat
7.8
Drought
5.8
Avalanche
4.5
Lightning
4.2
Tornado
2.9
Hurricane
2.4
Strong Wind
2.2
Hail
1.6
Winter Weather
1.6
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

ZIP 94952
5.6
California avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 94952, California

ZIP 94952 in Petaluma 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 94952 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 94952'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.

With a moderate risk rating, ZIP 94952 residents are well-served by maintaining standard preparedness practices β€” 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 94952: Coastal Flooding preparedness

  • 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.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 94952

These city-level factors differentiate ZIP 94952 from other communities in California County and provide geographic context for its hazard exposure.

Population

33,785

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.5/10

Coordinates

38.2301Β° N, 122.7634Β° 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 94952

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.