🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99759

Point Lay, Alaska

3.8out of 10
Low Risk

Risk Summary for ZIP 99759

ZIP 99759 scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Cold Wave Winter Weather

All 18 Hazard Scores

Avalanche
9.2
Cold Wave
8.7
Winter Weather
8.4
Earthquake
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
2.5
Hurricane
2.4
Wildfire
2.2
Ice Storm
2.2
Drought
1.7
Tornado
1.3
Lightning
1.3
Strong Wind
1.2
Extreme Heat
1.2
Hail
1.1
Riverine Flooding
1.0

How it compares

ZIP 99759
3.8
Alaska avg.
4.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 99759, Alaska

ZIP 99759 covers part of the Point Lay 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 99759's composite natural disaster risk at 3.8 out of 10 β€” low risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for cold wave and winter risk in their preparedness planning.

ZIP 99759's risk score, slightly below the 4.6/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, cold wave, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Despite its lower-than-average risk classification, ZIP 99759 is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers avalanche β€” remains prudent for all residents.

What this means for ZIP 99759: Avalanche preparedness

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

Risk for the surrounding area

Local Factors for ZIP 99759

These city-level factors differentiate ZIP 99759 from other communities in Alaska County and provide geographic context for its hazard exposure.

Population

390

Rural

Geographic Zone

Arctic / Subarctic

Permafrost & coastal erosion risk

Climate Band

Subarctic / Arctic

Latitude 69.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.2/10

Coordinates

69.7372Β° N, 162.8374Β° 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 99759

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.