🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 97544

Williams, Oregon

5.5out of 10
Moderate Risk

Risk Summary for ZIP 97544

ZIP 97544 scores 5.5/10 (Moderate 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
9.6
Volcanic Activity
9.3
Extreme Heat
9.1
Avalanche
9.0
Landslide
8.7
Winter Weather
8.3
Tsunami
5.4
Coastal Flooding
4.9
Lightning
3.9
Hail
2.8
Ice Storm
2.7
Drought
2.5
Hurricane
2.4
Strong Wind
2.2
Tornado
1.7
Cold Wave
1.5
Riverine Flooding
1.0

How it compares

ZIP 97544
5.5
Oregon avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 97544, Oregon

ZIP 97544 in Williams sits in the western mountain region near the Pacific Coast. Its oceanic climate produces mild, wet winters on the coast and semi-arid conditions inland, and notably a high wildfire risk period in the dry summer months. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 97544 carries an overall risk score of 5.5/10, placing it in the moderate category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to earthquake and volcano.

Within Oregon, ZIP 97544's risk is, near the 5.7/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Oregon identifies wildfire as the foremost hazard, followed by earthquake and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 97544 residents are well-served by maintaining standard preparedness practices β€” 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.

What this means for ZIP 97544: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 97544

These city-level factors differentiate ZIP 97544 from other communities in Oregon County and provide geographic context for its hazard exposure.

Population

1,860

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 42.2Β°

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

42.2070Β° N, 123.3001Β° 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 97544

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.