Natural Disaster Risk — ZIP Code 95946

Natural Hazard Profile: ZIP 95946, California

ZIP 95946 covers part of the Penn 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 95946's composite natural disaster risk at 5.7 out of 10 — moderate risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for avalanche and landslide risk in their preparedness planning.

ZIP 95946'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 wildfire, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 95946 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.