ZIP Code 95486 — Monte Rio CDP, CA Demographics & Data

ZIP code 95486 covers Monte Rio, CA in Sonoma County with a population of about 15.

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

Monte Rio, CA fits a retirement-oriented profile (high share of residents 65+ (40.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 60.0% of adults with a bachelor’s degree or higher (about 26.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration; a mean commute of about 9.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 40.0% (about 25.4 points below the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Monte Rio CDP, CA as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.2) and wildfire (98.2). 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 Monte Rio CDP, CA show little to no average snow and around 53.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1 for ZIP 95486 (Monte Rio 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.