Natural Disaster Risk — ZIP Code 95914

Natural Hazard Profile: ZIP 95914, California

Located in the western mountain region near the Pacific Coast, ZIP 95914 serves the Bangor 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 95914's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include wildfire and earthquake.

Relative to other U.S. communities, ZIP 95914'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 drought and wildfire, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 95914 residents benefit from taking preparedness seriously. Reviewing insurance coverage for drought and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.