Natural Disaster Risk — ZIP Code 95538

Natural Hazard Profile: ZIP 95538, California

ZIP 95538 covers part of the Fort Dick 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 95538's composite natural disaster risk at 4.9 out of 10 — moderate risk. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Residents should also account for landslide and earthquake risk in their preparedness planning.

ZIP 95538's risk score, slightly below the 5.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tsunami, landslide, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 95538'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 tsunami exposure is adequately protected is a worthwhile step for property owners.