Natural Disaster Risk — ZIP Code 95461

Natural Hazard Profile: ZIP 95461, California

Located in the western mountain region near the Pacific Coast, ZIP 95461 serves the Middletown 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 95461's overall natural disaster risk is rated 5.4/10 (Moderate) by FEMA's National Risk Index. Volcanic hazard exposure defines the local risk environment, driven by proximity to one of the most active volcanic systems in the United States. Secondary hazards include landslide and wildfire.

Relative to other U.S. communities, ZIP 95461's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by volcano and landslide, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 95461 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 volcano is recommended.