🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 97885

Wallowa, Oregon

4.7out of 10
Moderate Risk

Risk Summary for ZIP 97885

ZIP 97885 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Landslide

All 18 Hazard Scores

Avalanche
9.8
Wildfire
9.4
Landslide
8.1
Winter Weather
6.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.5
Cold Wave
4.5
Ice Storm
4.3
Hail
3.9
Extreme Heat
3.3
Drought
2.5
Hurricane
2.4
Lightning
2.4
Tornado
1.6
Strong Wind
1.6
Riverine Flooding
1.0

How it compares

ZIP 97885
4.7
Oregon avg.
5.7
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 97885, Oregon

Located in the Pacific Northwest, ZIP 97885 serves the Wallowa community. The oceanic climate of this part of Oregon β€” bringing mild, wet winters on the coast and semi-arid conditions inland β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 97885's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include wildfire and landslide.

Relative to other U.S. communities, ZIP 97885's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.7/10 state average. The hazard distribution here is led by avalanche and wildfire, as measured by FEMA across Oregon. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 97885 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 avalanche is recommended.

What this means for ZIP 97885: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Risk for the surrounding area

Local Factors for ZIP 97885

These city-level factors differentiate ZIP 97885 from other communities in Oregon County and provide geographic context for its hazard exposure.

Population

1,365

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 45.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.4/10

Coordinates

45.6507Β° N, 117.5097Β° 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 97885

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.