Natural Disaster Risk — ZIP Code 99765

Natural Hazard Profile: ZIP 99765, Alaska

ZIP 99765 covers part of the Nulato 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 99765's composite natural disaster risk at 5.2 out of 10 — moderate risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for avalanche and landslide risk in their preparedness planning.

ZIP 99765's risk score, slightly above the 4.6/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are cold wave, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 99765'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 cold wave exposure is adequately protected is a worthwhile step for property owners.