Natural Disaster Risk — ZIP Code 98286
Shaw Island, Washington
Risk Summary for ZIP 98286
ZIP 98286 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tsunami.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 98286, Washington
ZIP 98286 covers part of the Shaw Island 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 98286's composite natural disaster risk at 4.7 out of 10 — moderate risk. The threat of tsunami inundation tops the local coastal risk profile, requiring residents in low-lying areas to maintain awareness of evacuation routes and warning systems. Residents should also account for volcano and coastal flood risk in their preparedness planning.
ZIP 98286's risk score, slightly below the 5.8/10 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 tsunami, volcano, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 98286 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tsunami is recommended.
What this means for ZIP 98286: Tsunami preparedness
- If you feel strong shaking near the coast, move to high ground immediately — do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
Risk for the surrounding area
Local Factors for ZIP 98286
These city-level factors differentiate ZIP 98286 from other communities in Washington County and provide geographic context for its hazard exposure.
Population
155
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Northern Continental
Latitude 48.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 4.9/10
Coordinates
48.5726° N, 122.9571° 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 98286
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.