🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99586

Gakona, Alaska

4.5out of 10
Moderate Risk

Risk Summary for ZIP 99586

ZIP 99586 scores 4.5/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Volcanic Activity

All 18 Hazard Scores

Avalanche
10.0
Landslide
9.7
Volcanic Activity
9.7
Wildfire
8.6
Earthquake
8.1
Tsunami
5.4
Coastal Flooding
4.9
Cold Wave
3.8
Winter Weather
3.7
Hurricane
2.4
Drought
1.7
Ice Storm
1.7
Lightning
1.6
Tornado
1.3
Hail
1.3
Strong Wind
1.2
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

ZIP 99586
4.5
Alaska avg.
4.6
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 99586, Alaska

Located in Alaska, the northernmost U.S. state, ZIP 99586 serves the Gakona community. The subarctic climate of this part of Alaska β€” bringing subarctic conditions with extreme cold winters and brief summers β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 99586's overall natural disaster risk is rated 4.5/10 (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 landslide and volcano.

Relative to other U.S. communities, ZIP 99586's natural disaster risk is near the U.S. national average of 4.5/10, near the 4.6/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Alaska. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 99586 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 99586: 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 99586

These city-level factors differentiate ZIP 99586 from other communities in Alaska County and provide geographic context for its hazard exposure.

Population

420

Rural

Geographic Zone

Arctic / Subarctic

Permafrost & coastal erosion risk

Climate Band

Subarctic / Arctic

Latitude 62.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.6/10

Coordinates

62.6746Β° N, 144.1388Β° 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 99586

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Alaska

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.