Natural Disaster Risk in Peaks Island
Maine
Risk Summary for Peaks Island
Peaks Island scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Peaks Island, Maine
Peaks Island, in Cumberland County, is a small community of about 826 situated along the northeastern Atlantic Seaboard. Its humid continental climate brings long, harsh winters and brief summers with heavy snowfall, and in particular powerful nor'easter blizzards. These conditions collectively define the natural hazard environment that Peaks Island residents and property owners must navigate.
Peaks Island's overall natural disaster risk is rated 7.3/10 (High) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include ice storm and coastal flood.
Within Maine, Peaks Island's risk is, slightly above the 6.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Cumberland County identifies winter as the foremost hazard, followed by ice storm and coastal flood. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Peaks Island's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Peaks Island: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Peaks Island
These city-level factors differentiate Peaks Island from other communities in Cumberland County and provide geographic context for its hazard exposure.
Population
826
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 43.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.7/10
Coordinates
43.6606° N, 70.1890° W
Cumberland County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Peaks Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Peaks Island
Other cities in Maine
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.