Natural Disaster Risk — ZIP Code 98243

Natural Hazard Profile: ZIP 98243, Washington

ZIP 98243 in Deer Harbor sits in the Pacific Northwest. Its oceanic climate produces mild, rainy winters west of the Cascades and semi-arid conditions to the east, and notably a critical wildfire period in eastern Washington each summer. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 98243 carries an overall risk score of 4.7/10, placing it in the moderate category. Tsunami risk is the primary coastal hazard, driven by the area's proximity to seismically active offshore zones capable of generating ocean waves that inundate low-lying coastlines. The area also faces notable exposure to volcano and coastal flood.

Within Washington, ZIP 98243's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Washington identifies tsunami as the foremost hazard, followed by volcano and coastal flood. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 98243's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that tsunami exposure is adequately protected is a worthwhile step for property owners.