🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 99784

White Mountain, Alaska

4.8out of 10
Moderate Risk

Risk Summary for ZIP 99784

ZIP 99784 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Volcanic Activity.

Top Hazards

Volcanic Activity Cold Wave Avalanche

All 18 Hazard Scores

Volcanic Activity
9.9
Cold Wave
9.3
Avalanche
9.2
Winter Weather
9.0
Landslide
8.7
Earthquake
7.7
Tsunami
5.4
Wildfire
5.2
Coastal Flooding
4.9
Hurricane
2.4
Ice Storm
2.4
Drought
1.7
Lightning
1.5
Tornado
1.3
Strong Wind
1.2
Extreme Heat
1.2
Hail
1.1
Riverine Flooding
1.0

How it compares

ZIP 99784
4.8
Alaska avg.
4.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 99784, Alaska

Located in Alaska, the northernmost U.S. state, ZIP 99784 serves the White Mountain community. The subarctic climate of this part of Alaska β€” bringing subarctic conditions with extreme cold winters and brief summers β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 99784's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Volcanic hazard exposure defines the local risk environment, driven by proximity to one of the most active volcanic systems in the United States. Secondary hazards include cold wave and avalanche.

Relative to other U.S. communities, ZIP 99784's natural disaster risk is near the U.S. national average of 4.5/10, near the 4.6/10 state average. The hazard distribution here is led by volcano 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.

With a moderate risk rating, ZIP 99784 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for volcano is recommended.

What this means for ZIP 99784: Volcanic Activity preparedness

  • 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.
  • Keep dust masks and eye protection on hand for ashfall events, which can affect breathing and visibility.

Risk for the surrounding area

Local Factors for ZIP 99784

These city-level factors differentiate ZIP 99784 from other communities in Alaska County and provide geographic context for its hazard exposure.

Population

222

Rural

Geographic Zone

Arctic / Subarctic

Permafrost & coastal erosion risk

Climate Band

Subarctic / Arctic

Latitude 64.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.2/10

Coordinates

64.6820Β° N, 163.4067Β° 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 99784

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.