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Philo CDP, CA

ZIP 95466 — Climate & Environment

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

Working ClassLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 95466

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 Philo CDP, CA as Relatively High (composite score 94.3), which is among the highest nationally. The strongest component scores on US5 are wildfire (97.8) and flood (95.1). 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
94.3
Flood risk
95.1
Wildfire risk
97.8
Earthquake risk
98.3
Tornado risk
10.5
Winter weather risk
22.5
Hail risk
8.1

Climate & Weather in ZIP Code 95466

Climate normals for Philo CDP, CA show little to no average snow and around 38.9 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
9b
Annual Snow Days
0
Annual Precipitation
38.9 in
FEMA NRI rating
Relatively High

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone9b
Annual precip (in)38.9
Snow days0
Broadband access94.8%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively High
NRI risk index94.3
Flood risk (NRI)95.1
Wildfire risk (NRI)97.8
IRS net migration29