Natural Disaster Risk — ZIP Code 95923

Natural Hazard Profile: ZIP 95923, California

Located in the western mountain region near the Pacific Coast, ZIP 95923 serves the Canyon Dam 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 95923's overall natural disaster risk is rated 5.5/10 (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 wildfire and earthquake.

Relative to other U.S. communities, ZIP 95923'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 wildfire, as measured by FEMA across California. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 95923'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 volcano exposure is adequately protected is a worthwhile step for property owners.