🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99321

Beverly, Washington

6.4out of 10
High Risk

Risk Summary for ZIP 99321

ZIP 99321 scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Volcanic Activity.

Top Hazards

Volcanic Activity Wildfire Avalanche

All 18 Hazard Scores

Volcanic Activity
9.8
Wildfire
9.6
Avalanche
9.2
Earthquake
9.1
Cold Wave
9.1
Extreme Heat
8.9
Landslide
8.2
Winter Weather
7.4
Hail
6.2
Lightning
5.6
Tsunami
5.4
Coastal Flooding
4.9
Drought
4.1
Strong Wind
3.9
Ice Storm
2.8
Tornado
2.6
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 99321
6.4
Washington avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 99321, Washington

ZIP 99321 covers part of the Beverly 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 99321's composite natural disaster risk at 6.4 out of 10 β€” high risk. The threat from nearby active volcanoes tops the local risk profile, with potential hazards including ash fall that disrupts air travel and agriculture, and lava that threatens infrastructure. Residents should also account for wildfire and avalanche risk in their preparedness planning.

ZIP 99321's risk score, slightly above the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are volcano, wildfire, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 99321 residents benefit from taking preparedness seriously. Reviewing insurance coverage for volcano and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 99321: Volcanic Activity preparedness

  • 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.
  • Protect electronics and HVAC systems from fine volcanic ash during eruptions.

Risk for the surrounding area

Local Factors for ZIP 99321

These city-level factors differentiate ZIP 99321 from other communities in Washington County and provide geographic context for its hazard exposure.

Population

1,047

Small Town

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 46.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.6/10

Coordinates

46.8658Β° N, 119.8893Β° 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 99321

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.