Natural Disaster Risk — ZIP Code 99684
Unalakleet, Alaska
Risk Summary for ZIP 99684
ZIP 99684 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Volcanic Activity.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 99684, Alaska
ZIP 99684 covers part of the Unalakleet area, in Alaska, the northernmost U.S. state. The surrounding region experiences subarctic conditions with extreme cold winters and brief summers, with severe winter storms 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 99684's composite natural disaster risk at 4.8 out of 10 — moderate 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 cold wave and avalanche risk in their preparedness planning.
ZIP 99684's risk score, near the 4.6/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are volcano, cold wave, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 99684'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 volcano exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 99684: 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 99684
These city-level factors differentiate ZIP 99684 from other communities in Alaska County and provide geographic context for its hazard exposure.
Population
565
RuralGeographic Zone
Arctic / Subarctic
Permafrost & coastal erosion risk
Climate Band
Subarctic / Arctic
Latitude 64.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.2/10
Coordinates
64.0994° N, 160.3278° 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 99684
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.