Natural Disaster Risk — ZIP Code 99163

Natural Hazard Profile: ZIP 99163, Washington

Located in the Pacific Northwest, ZIP 99163 serves the Pullman 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 99163's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include avalanche and cold wave.

Relative to other U.S. communities, ZIP 99163's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by landslide and avalanche, as measured by FEMA across Washington. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 99163'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 landslide exposure is adequately protected is a worthwhile step for property owners.