85364 Earthquake Risk & Insurance Guide (2026)
85364 in Yuma, AZ: earthquake and severe storm risk, est. insurance $1,958–$3,553/yr, and buyer guidance before you close.
Yuma, Arizona 85364, United States
Data retrieved: Jul 30, 2026 at 15:19 UTC
Overall Risk
Below the national median (safer than most)
County-level composite
Est. Annual Insurance
$1,958 – $3,553
Directional range
Premium Strain
3.82% of median income
elevated
Flood Insurance
Not required
Parcel falls outside SFHA
Quick buyer brief
What makes 85364 different
A short, indexable summary for buyers comparing 85364 with nearby options in Yuma.
85364 ranks below the national median (safer than most) for overall climate risk, with the biggest current drivers being earthquake or tornado.
Buyers in this ZIP should budget roughly $1,958 - $3,553/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.
If you are choosing between nearby ZIP codes, compare this page with the city overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
HIGH
Arizona's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Admitted Market Share
64%
Carriers exiting at 7.4% YoY in Arizona.
Residual Market
$2,800–$6,200
annual · last-resort
FAIR Plan / Citizens exposure up 89% since 2020.
Premium Strain Index
Insurance is roughly 3.8% of median household income — above the 2% middle-income affordability benchmark.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,958 to $3,553. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Unknown County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Below the national median (safer than most)
Hurricane
LowAround the national median
Earthquake
ModerateAround the national median
Extreme Heat
ModerateBelow the national median (safer than most)
Flood
LowBottom 20% nationally (safer than most)
Wildfire
MinimalAround the national median
Severe Storm / Tornado
ModerateWhat each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
Federal hurricane data unavailable; score is a seed estimate.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Around the national median for earthquake exposure. USGS PGA: 0.227g. NRI county data unavailable.
USGS · Design Maps (ASCE 7-16) + NRI
Extreme Heat
Federal heat data unavailable; score is a seed estimate.
NOAA · National Risk Index (HWAV)
Flood Risk
Federal flood data unavailable for this location; score is a seed estimate.
FEMA · National Risk Index
Wildfire Risk
USDA Wildfire Hazard Potential at parcel: Very Low (Class 1/5). NRI county data unavailable.
USDA · WHP + National Risk Index
Severe Storm / Tornado
Severe storm / monsoon risk: Around the national median. Arizona desert regions experience summer monsoon wind, dust storms (haboobs), and microbursts rather than classic Midwest tornadoes. County-level NRI percentile reflects total expected annual loss, which is raised by dense assets.
FEMA · National Risk Index (TRND)
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Arizona's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved July 30, 2026
FEMA— National Risk Index (HRCN)
Retrieved July 30, 2026
USDA— WHP + National Risk Index
Retrieved July 30, 2026
USGS— Design Maps (ASCE 7-16) + NRI
Retrieved July 30, 2026
NOAA— National Risk Index (HWAV)
Retrieved July 30, 2026
FEMA— National Risk Index (TRND)
Retrieved July 30, 2026
What buyers should know
Buying in 85364: a risk primer
Before you write an offer on a home in Yuma, understand how climate and insurance costs affect long-term ownership in 85364.
85364 in Yuma, Arizona, scores below the national median (safer than most) on our composite climate-risk index. That ranking reflects the combined influence of earthquake shaking risk (53), tornado (49), and extreme heat exposure (47) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Earthquake risk in 85364
The earthquake shaking risk score for 85364 is 53 (moderate), which is around or slightly above the national median. 85364 has moderate earthquake exposure. Most homeowners policies exclude earthquake damage here, so buyers should price a standalone earthquake policy or rider and verify whether the home is bolted to the foundation and has a cripple-wall retrofit.
For a specific address inside 85364, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Tornado risk in 85364
The tornado score for 85364 is 49 (moderate), which is around or slightly above the national median.
For a specific address inside 85364, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Heat risk in 85364
The extreme heat exposure score for 85364 is 47 (moderate), which is around or slightly above the national median. 85364 sees moderate extreme-heat exposure. Cooling degree days are elevated enough that annual utility costs will be meaningfully higher than in cooler parts of Arizona.
For a specific address inside 85364, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 85364, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,958 – $3,553 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 3.82% of the Unknown County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes earthquake shaking risk, tornado, and extreme heat exposure. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Arizona-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 85364, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 85364
Ready to underwrite 85364?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Yuma
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Yuma.
Explore 85364 in context
Indexable hub links for buyers comparing 85364 with the wider Yuma market and Arizona insurance trends.
Yuma climate risk overview
City-level hazard scores and insurance context for Yuma, AZ.
Arizona buyer guides
State-wide insurance market pressure and regional hazard patterns.
High-risk area buyer checklist
Questions to ask before writing an offer in 85364.
Free contract templates for Arizona buyers
Download free climate-risk contingency addendums written for Arizona purchase agreements. Add earthquake, tornado, or extreme-heat contingencies to your offer.
Browse free templates