🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99359

Starbuck, Washington

4.0out of 10
Moderate Risk

Risk Summary for ZIP 99359

ZIP 99359 scores 4.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Landslide

All 18 Hazard Scores

Avalanche
9.4
Wildfire
7.7
Landslide
7.1
Tsunami
5.4
Ice Storm
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.2
Extreme Heat
3.5
Cold Wave
2.6
Drought
2.5
Hurricane
2.4
Hail
2.0
Winter Weather
2.0
Strong Wind
1.7
Tornado
1.5
Lightning
1.4
Riverine Flooding
1.0

How it compares

ZIP 99359
4.0
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 99359, Washington

ZIP 99359 in Starbuck 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 99359 carries an overall risk score of 4.0/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to wildfire and landslide.

Within Washington, ZIP 99359's risk is, considerably below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Washington identifies avalanche as the foremost hazard, followed by wildfire and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 99359 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 avalanche is recommended.

What this means for ZIP 99359: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 99359

These city-level factors differentiate ZIP 99359 from other communities in Washington County and provide geographic context for its hazard exposure.

Population

94

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 46.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 7.7/10

Coordinates

46.5333Β° N, 118.1570Β° 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 99359

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.