Natural Disaster Risk — ZIP Code 95338

Natural Hazard Profile: ZIP 95338, California

Located in the western mountain region near the Pacific Coast, ZIP 95338 serves the Mariposa 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 95338's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include heat and wildfire.

Relative to other U.S. communities, ZIP 95338'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 landslide and heat, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 95338'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 landslide exposure is adequately protected is a worthwhile step for property owners.