🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 97862

Milton Freewater, Oregon

7.5out of 10
High Risk

Risk Summary for ZIP 97862

ZIP 97862 scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Volcanic Activity.

Top Hazards

Volcanic Activity Wildfire Avalanche

All 18 Hazard Scores

Volcanic Activity
9.8
Wildfire
9.7
Avalanche
9.5
Cold Wave
9.5
Ice Storm
9.5
Winter Weather
9.1
Landslide
9.1
Earthquake
8.9
Extreme Heat
8.8
Strong Wind
8.5
Drought
8.5
Lightning
6.1
Hail
5.8
Tsunami
5.4
Coastal Flooding
4.9
Tornado
2.4
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 97862
7.5
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 97862, Oregon

ZIP 97862 in Milton Freewater sits in the Pacific Northwest. 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 97862 carries an overall risk score of 7.5/10, placing it in the high category. Volcanic activity is the foremost natural hazard, with the area situated near active volcanic systems capable of producing lava flows, ashfall, and pyroclastic hazards. The area also faces notable exposure to wildfire and avalanche.

Within Oregon, ZIP 97862's risk is, considerably above the 5.7/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Oregon identifies volcano as the foremost hazard, followed by wildfire and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 97862 residents benefit from taking preparedness seriously. Reviewing insurance coverage for volcano and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 97862: Volcanic Activity preparedness

  • Protect electronics and HVAC systems from fine volcanic ash during eruptions.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 97862

These city-level factors differentiate ZIP 97862 from other communities in Oregon County and provide geographic context for its hazard exposure.

Population

12,313

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 45.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.7/10

Coordinates

45.9271Β° N, 118.3180Β° 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 97862

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.