🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 95469

Potter Valley, California

5.9out of 10
Moderate Risk

Risk Summary for ZIP 95469

ZIP 95469 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Earthquake Tsunami

All 18 Hazard Scores

Landslide
10.0
Earthquake
9.9
Tsunami
9.9
Wildfire
9.8
Drought
9.8
Volcanic Activity
9.8
Coastal Flooding
9.4
Avalanche
8.7
Extreme Heat
5.9
Lightning
3.8
Winter Weather
3.2
Hurricane
2.4
Tornado
2.2
Hail
1.9
Strong Wind
1.3
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

ZIP 95469
5.9
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 95469, California

ZIP 95469 covers part of the Potter Valley area, in the western mountain region near the Pacific Coast. The surrounding region experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 95469's composite natural disaster risk at 5.9 out of 10 β€” moderate risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for earthquake and tsunami risk in their preparedness planning.

ZIP 95469's risk score, near the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are landslide, earthquake, and tsunami. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 95469 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 landslide is recommended.

What this means for ZIP 95469: Landslide preparedness

  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Risk for the surrounding area

Local Factors for ZIP 95469

These city-level factors differentiate ZIP 95469 from other communities in California County and provide geographic context for its hazard exposure.

Population

1,315

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 39.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

39.3885Β° N, 123.0597Β° 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 95469

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.