🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 97830

Fossil, Oregon

4.4out of 10
Moderate Risk

Risk Summary for ZIP 97830

ZIP 97830 scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Volcanic Activity.

Top Hazards

Volcanic Activity Avalanche Wildfire

All 18 Hazard Scores

Volcanic Activity
9.5
Avalanche
9.3
Wildfire
9.0
Lightning
8.9
Landslide
7.3
Tsunami
5.4
Coastal Flooding
4.9
Earthquake
2.8
Drought
2.5
Hurricane
2.4
Winter Weather
2.2
Extreme Heat
1.9
Cold Wave
1.8
Ice Storm
1.8
Hail
1.7
Strong Wind
1.5
Tornado
1.4
Riverine Flooding
1.0

How it compares

ZIP 97830
4.4
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 97830, Oregon

ZIP 97830 covers part of the Fossil area, in the Pacific Northwest. 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 97830's composite natural disaster risk at 4.4 out of 10 β€” moderate risk. The threat from nearby active volcanoes tops the local risk profile, with potential hazards including ash fall that disrupts air travel and agriculture, and lava that threatens infrastructure. Residents should also account for avalanche and wildfire risk in their preparedness planning.

ZIP 97830's risk score, slightly below the 5.7/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are volcano, avalanche, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 97830 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 volcano is recommended.

What this means for ZIP 97830: Volcanic Activity preparedness

  • Keep dust masks and eye protection on hand for ashfall events, which can affect breathing and visibility.
  • Monitor official volcano alert levels and have an evacuation plan for lava or lahar zones.
  • Protect electronics and HVAC systems from fine volcanic ash during eruptions.

Risk for the surrounding area

Local Factors for ZIP 97830

These city-level factors differentiate ZIP 97830 from other communities in Oregon County and provide geographic context for its hazard exposure.

Population

800

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 45.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.0/10

Coordinates

44.9779Β° N, 120.1716Β° 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 97830

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.