🌍 ClimateRiskCheck

Natural Disaster Risk in Cumberland

Rhode Island

7.2out of 10
High Risk

Risk Summary for Cumberland

Cumberland scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Coastal Flooding Hurricane

All 18 Hazard Scores

Extreme Heat
9.8
Hurricane
9.4
Coastal Flooding
9.4
Cold Wave
9.2
Earthquake
9.1
Lightning
9.0
Ice Storm
8.9
Tornado
8.1
Hail
7.8
Landslide
7.8
Strong Wind
5.9
Tsunami
5.4
Volcanic Activity
5.1
Winter Weather
4.5
Avalanche
4.5
Drought
4.3
Wildfire
4.0
Riverine Flooding
1.0

How it compares

Cumberland
7.2
Rhode Island avg.
5.4
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: Cumberland, Rhode Island

Located along the northeastern Atlantic Seaboard in Providence County, Cumberland is a city of approximately 36,820 residents. The humid continental climate that characterizes this part of Rhode Island β€” marked by cold winters with coastal influence and warm summers β€” directly influences the types and severity of natural hazards present, making Cumberland a community where hazard awareness has real practical value.

Cumberland's overall natural disaster risk is rated 7.2/10 (High) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include coastal flood and hurricane.

Relative to other U.S. communities, Cumberland's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.4/10 state average. The hazard distribution here is led by heat and coastal flood, as measured by FEMA across Providence County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Cumberland residents benefit from taking preparedness seriously. Reviewing insurance coverage for heat and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Cumberland: Extreme Heat preparedness

  • Check on elderly neighbors and never leave children or pets in parked vehicles.
  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.

Local Factors for Cumberland

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

Population

36,820

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 42.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.0/10

Coordinates

41.9703Β° N, 71.4198Β° W

Providence 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 Cumberland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Cumberland

Other cities in Rhode Island

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.