Natural Disaster Risk in Winter Harbor
Maine
Risk Summary for Winter Harbor
Winter Harbor scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
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: Winter Harbor, Maine
Winter Harbor, in Hancock County, is a small unincorporated community 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 Winter Harbor residents and property owners must navigate.
According to FEMA's National Risk Index, Winter Harbor carries an overall risk score of 6.2/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to winter and ice storm.
Within Maine, Winter Harbor's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Hancock County identifies coastal flood as the foremost hazard, followed by winter and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Winter Harbor'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 Winter Harbor: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Local Factors for Winter Harbor
These city-level factors differentiate Winter Harbor from other communities in Hancock County and provide geographic context for its hazard exposure.
Population
493
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.2/10
Coordinates
44.3848° N, 68.0783° W
Hancock 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 Winter Harbor
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Winter Harbor
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.