🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99403

Clarkston, Washington

4.3out of 10
Moderate Risk

Risk Summary for ZIP 99403

ZIP 99403 scores 4.3/10 (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
9.1
Landslide
7.6
Extreme Heat
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.1
Winter Weather
3.0
Cold Wave
2.8
Ice Storm
2.8
Drought
2.5
Hurricane
2.4
Strong Wind
2.1
Lightning
2.0
Hail
1.9
Tornado
1.8
Riverine Flooding
1.0

How it compares

ZIP 99403
4.3
Washington avg.
5.8
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 99403, Washington

Located in the Pacific Northwest, ZIP 99403 serves the Clarkston community. The oceanic climate of this part of Washington β€” bringing mild, rainy winters west of the Cascades and semi-arid conditions to the east β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 99403's overall natural disaster risk is rated 4.3/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include wildfire and landslide.

Relative to other U.S. communities, ZIP 99403's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by avalanche and wildfire, as measured by FEMA across Washington. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 99403 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 99403: Avalanche preparedness

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

Risk for the surrounding area

Local Factors for ZIP 99403

These city-level factors differentiate ZIP 99403 from other communities in Washington County and provide geographic context for its hazard exposure.

Population

20,760

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Cool Continental

Latitude 46.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.1/10

Coordinates

46.3811Β° N, 117.2597Β° 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 99403

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.