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Carmel-by-the-Sea city, CA

ZIP 93923 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 93923

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Carmel-by-the-Sea city, CA as Relatively High (composite score 98.7), which is among the highest nationally. The strongest component scores on US5 are wildfire (98.7) and flood (97.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Relatively High
Risk index
98.7
Flood risk
97.3
Wildfire risk
98.7
Earthquake risk
99.4
Tornado risk
28.7
Winter weather risk
5.8
Hail risk
33.5
Air Quality (EPA AQI)

County-level annual air quality from EPA. Good days = healthy to breathe; unhealthy = sensitive groups or worse.

40
Median AQI
76.9%
Good Days

Air quality healthy to breathe

0.0%
Unhealthy / Hazardous

Sensitive groups or worse

Climate & Weather in ZIP Code 93923

Climate normals for Carmel-by-the-Sea city, CA show little to no average snow and around 17.9 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively High) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
10a
Annual Snow Days
0
Annual Precipitation
17.94 in
FEMA NRI rating
Relatively High

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone10a
Annual precip (in)17.94
Snow days0
Broadband access92.4%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively High
NRI risk index98.7
Flood risk (NRI)97.3
Wildfire risk (NRI)98.7
IRS net migration609
Median AQI40
Good AQI days76.9%