ZIP Code 95984 — Twain CDP, CA Demographics & Data

ZIP code 95984 covers Twain, CA in Plumas County with a population of about 209.

At a glance, the area shows median age of 59.0 versus a U.S. median of about 38.9.

It sits in telephone area code 530; U.S. House district CA-3; the SACRAMNTO - STKTN - MODESTO media market.

Twain, CA fits a retirement-oriented profile (older median age or known retirement-community context). 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 11.0%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Healthcare and Food services; a mean commute of about 52.0 minutes (U.S. average near 26.8).

Median home value is about $427,500 — about 23% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.0% (about 9.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95984 in Twain, CA, a household would need roughly $118,000 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 $2,746. 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 Twain CDP, CA as Relatively Moderate (composite score 86.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.6) and flood (87.9). 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 Twain CDP, CA show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 10 for ZIP 95984 (Twain 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.