🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 95722

Meadow Vista, California

6.1out of 10
High Risk

Risk Summary for ZIP 95722

ZIP 95722 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Volcanic Activity

All 18 Hazard Scores

Avalanche
10.0
Wildfire
9.9
Volcanic Activity
9.7
Earthquake
9.6
Drought
8.9
Landslide
8.7
Lightning
8.4
Extreme Heat
7.3
Winter Weather
5.4
Tsunami
5.4
Coastal Flooding
4.9
Hail
3.5
Tornado
3.3
Strong Wind
3.2
Hurricane
2.4
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

ZIP 95722
6.1
California avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 95722, California

Located in the western mountain region near the Pacific Coast, ZIP 95722 serves the Meadow Vista community. The Mediterranean climate of this part of California β€” bringing dry summers and mild, wet winters with pronounced drought cycles β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 95722's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include wildfire and volcano.

Relative to other U.S. communities, ZIP 95722'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 avalanche and wildfire, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 95722'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 95722: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Risk for the surrounding area

Local Factors for ZIP 95722

These city-level factors differentiate ZIP 95722 from other communities in California County and provide geographic context for its hazard exposure.

Population

4,092

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 39.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.9/10

Coordinates

39.0047Β° N, 121.0289Β° 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 95722

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.