🌍 ClimateRiskCheck

Natural Disaster Risk in Cotuit

Massachusetts

6.2out of 10
High Risk

Risk Summary for Cotuit

Cotuit scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Lightning

All 18 Hazard Scores

Coastal Flooding
9.9
Hurricane
9.6
Lightning
8.8
Earthquake
8.1
Hail
7.3
Landslide
7.1
Strong Wind
6.6
Wildfire
5.9
Ice Storm
5.5
Tsunami
5.4
Tornado
5.2
Volcanic Activity
5.1
Extreme Heat
4.7
Avalanche
4.5
Drought
4.0
Cold Wave
3.9
Winter Weather
3.4
Riverine Flooding
1.0

How it compares

Cotuit
6.2
Massachusetts avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: Cotuit, Massachusetts

Cotuit, in Barnstable County, is a town of roughly 3,577 residents situated along the northeastern Atlantic Seaboard. Its humid continental climate brings cold winters with heavy snowfall and warm summers, and in particular nor'easter storms bringing heavy snow and coastal flooding. These conditions collectively define the natural hazard environment that Cotuit residents and property owners must navigate.

According to FEMA's National Risk Index, Cotuit 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 hurricane and lightning.

Within Massachusetts, Cotuit's risk is, near the 6.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Barnstable County identifies coastal flood as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Cotuit'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 Cotuit: 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 Cotuit

These city-level factors differentiate Cotuit from other communities in Barnstable County and provide geographic context for its hazard exposure.

Population

3,577

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.9/10

Coordinates

41.6235Β° N, 70.4405Β° W

Barnstable 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 Cotuit

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Cotuit

Other cities in Massachusetts

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.