ZIP Code 95565 — Scotia CDP, CA Demographics & Data

ZIP code 95565 covers Scotia, CA in Humboldt County with a population of about 891.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the EUREKA media market.

Scotia, CA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.9%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 95565 is about $88,281 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 16.6%; 24.5% of adults with a bachelor’s degree or higher (about 9.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 4.3% of workers reporting work-from-home (about 10.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $350,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,013 (about 13% below the U.S. median rent ($1,163)), and owner-occupancy near 49.8% (about 15.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95565 in Scotia, CA, a household would need roughly $96,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,248. That is roughly in line with the local median household income ($88,281). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Scotia CDP, CA as Relatively High (composite score 96.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.5) and flood (94.2). 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.

Climate normals for Scotia CDP, CA show little to no average snow and around 47.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 95565 (Scotia CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.