🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 97539

Shady Cove, Oregon

6.1out of 10
High Risk

Risk Summary for ZIP 97539

ZIP 97539 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Earthquake Volcanic Activity

All 18 Hazard Scores

Wildfire
9.9
Earthquake
9.8
Volcanic Activity
9.8
Winter Weather
9.7
Extreme Heat
9.6
Landslide
8.8
Avalanche
8.7
Lightning
6.5
Tsunami
5.4
Hail
5.0
Coastal Flooding
4.9
Strong Wind
3.7
Ice Storm
3.2
Drought
2.7
Hurricane
2.4
Cold Wave
2.0
Tornado
1.8
Riverine Flooding
1.0

How it compares

ZIP 97539
6.1
Oregon avg.
5.7
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 97539, Oregon

ZIP 97539 covers part of the Shady Cove area, in the western mountain region near the Pacific Coast. The surrounding region experiences mild, wet winters on the coast and semi-arid conditions inland, with a high wildfire risk period in the dry summer months 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 97539's composite natural disaster risk at 6.1 out of 10 β€” high 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 earthquake and volcano risk in their preparedness planning.

ZIP 97539's risk score, near the 5.7/10 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, earthquake, and volcano. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 97539'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 97539: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Risk for the surrounding area

Local Factors for ZIP 97539

These city-level factors differentiate ZIP 97539 from other communities in Oregon County and provide geographic context for its hazard exposure.

Population

3,369

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 42.6Β°

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

42.6000Β° N, 122.7902Β° 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 97539

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Oregon

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.