🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 98037

Lynnwood, Washington

7.3out of 10
High Risk

Risk Summary for ZIP 98037

ZIP 98037 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Volcanic Activity Earthquake

All 18 Hazard Scores

Landslide
10.0
Volcanic Activity
10.0
Earthquake
9.9
Tsunami
9.8
Avalanche
9.8
Ice Storm
9.8
Extreme Heat
9.7
Coastal Flooding
9.7
Winter Weather
9.5
Lightning
8.8
Cold Wave
6.9
Wildfire
6.6
Tornado
4.6
Hail
2.6
Hurricane
2.4
Drought
2.4
Strong Wind
1.9
Riverine Flooding
1.0

How it compares

ZIP 98037
7.3
Washington avg.
5.8
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 98037, Washington

ZIP 98037 covers part of the Lynnwood area, in the Pacific Northwest. The surrounding region experiences mild, rainy winters west of the Cascades and semi-arid conditions to the east, with a critical wildfire period in eastern Washington each summer 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 98037's composite natural disaster risk at 7.3 out of 10 β€” high risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for volcano and earthquake risk in their preparedness planning.

ZIP 98037's risk score, slightly above the 5.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are landslide, volcano, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 98037'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 98037: Landslide preparedness

  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Risk for the surrounding area

Local Factors for ZIP 98037

These city-level factors differentiate ZIP 98037 from other communities in Washington County and provide geographic context for its hazard exposure.

Population

29,723

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Northern Continental

Latitude 47.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 6.6/10

Coordinates

47.8387Β° N, 122.2846Β° 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 98037

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Washington

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.