Natural Disaster Risk — ZIP Code 94970

Natural Hazard Profile: ZIP 94970, California

ZIP 94970 in Stinson Beach 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 94970 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 94970'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 94970 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.