Natural Disaster Risk — ZIP Code 95317
El Nido, California
Risk Summary for ZIP 95317
ZIP 95317 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 95317, California
Located in the western mountain region near the Pacific Coast, ZIP 95317 serves the El Nido 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 95317's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include earthquake and heat.
Relative to other U.S. communities, ZIP 95317'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 drought and earthquake, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 95317's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 95317: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Risk for the surrounding area
Local Factors for ZIP 95317
These city-level factors differentiate ZIP 95317 from other communities in California County and provide geographic context for its hazard exposure.
Population
827
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.3/10
Coordinates
37.1295° N, 120.5074° 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 95317
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.