Natural Disaster Risk — ZIP Code 99748

Natural Hazard Profile: ZIP 99748, Alaska

Located in Alaska, the northernmost U.S. state, ZIP 99748 serves the Kaltag 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 99748's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include avalanche and landslide.

Relative to other U.S. communities, ZIP 99748'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 cold wave and avalanche, 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 99748 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for cold wave is recommended.