Natural Disaster Risk — ZIP Code 99637

Natural Hazard Profile: ZIP 99637, Alaska

Located in Alaska, the northernmost U.S. state, ZIP 99637 serves the Toksook Bay community. The subarctic climate of this part of Alaska — bringing subarctic conditions with extreme cold winters and brief summers — directly shapes the hazard exposure for properties in this postal area.

ZIP 99637's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. Secondary hazards include cold wave and avalanche.

Relative to other U.S. communities, ZIP 99637's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 4.6/10 state average. The hazard distribution here is led by tsunami and cold wave, as measured by FEMA across Alaska. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 99637'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 tsunami exposure is adequately protected is a worthwhile step for property owners.