Natural Disaster Risk — ZIP Code 97420

Natural Hazard Profile: ZIP 97420, Oregon

Located in the western mountain region near the Pacific Coast, ZIP 97420 serves the Coos Bay community. The oceanic climate of this part of Oregon — bringing mild, wet winters on the coast and semi-arid conditions inland — directly shapes the hazard exposure for properties in this postal area.

ZIP 97420's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. Secondary hazards include earthquake and coastal flood.

Relative to other U.S. communities, ZIP 97420's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.7/10 state average. The hazard distribution here is led by tsunami and earthquake, as measured by FEMA across Oregon. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 97420'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.