🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 98585

Silver Creek, Washington

5.5out of 10
Moderate Risk

Risk Summary for ZIP 98585

ZIP 98585 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Volcanic Activity.

Top Hazards

Volcanic Activity Avalanche Earthquake

All 18 Hazard Scores

Volcanic Activity
10.0
Earthquake
9.8
Avalanche
9.8
Landslide
9.7
Extreme Heat
8.1
Wildfire
8.0
Tsunami
5.4
Coastal Flooding
4.9
Winter Weather
4.8
Ice Storm
4.6
Lightning
4.1
Strong Wind
3.1
Tornado
2.8
Hurricane
2.4
Drought
2.4
Hail
1.7
Cold Wave
1.5
Riverine Flooding
1.0

How it compares

ZIP 98585
5.5
Washington avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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 98585, Washington

ZIP 98585 in Silver Creek 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 98585 carries an overall risk score of 5.5/10, placing it in the moderate category. Volcanic activity is the foremost natural hazard, with the area situated near active volcanic systems capable of producing lava flows, ashfall, and pyroclastic hazards. The area also faces notable exposure to avalanche and earthquake.

Within Washington, ZIP 98585's risk is, near the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Washington identifies volcano as the foremost hazard, followed by avalanche and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 98585 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 volcano is recommended.

What this means for ZIP 98585: Volcanic Activity preparedness

  • Protect electronics and HVAC systems from fine volcanic ash during eruptions.
  • Keep dust masks and eye protection on hand for ashfall events, which can affect breathing and visibility.
  • Monitor official volcano alert levels and have an evacuation plan for lava or lahar zones.

Risk for the surrounding area

Local Factors for ZIP 98585

These city-level factors differentiate ZIP 98585 from other communities in Washington County and provide geographic context for its hazard exposure.

Population

465

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 46.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.0/10

Coordinates

46.5544Β° N, 122.5022Β° 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 98585

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.