Natural Disaster Risk — ZIP Code 98314
Bremerton, Washington
Risk Summary for ZIP 98314
ZIP 98314 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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 98314, Washington
Located in the Pacific Northwest, ZIP 98314 serves the Bremerton community. The oceanic climate of this part of Washington — bringing mild, rainy winters west of the Cascades and semi-arid conditions to the east — directly shapes the hazard exposure for properties in this postal area.
ZIP 98314's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include landslide and tsunami.
Relative to other U.S. communities, ZIP 98314's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by earthquake and landslide, as measured by FEMA across Washington. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 98314'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 98314: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Risk for the surrounding area
Local Factors for ZIP 98314
These city-level factors differentiate ZIP 98314 from other communities in Washington County and provide geographic context for its hazard exposure.
Population
1,186
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Northern Continental
Latitude 47.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 4.7/10
Coordinates
47.5624° N, 122.6389° 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 98314
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.