Natural Disaster Risk — ZIP Code 01026
Cummington, Massachusetts
Risk Summary for ZIP 01026
ZIP 01026 scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
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: ZIP 01026, Massachusetts
ZIP 01026 covers part of the Cummington area, along the northeastern Atlantic Seaboard. The surrounding region experiences cold winters with heavy snowfall and warm summers, with nor'easter storms bringing heavy snow and coastal flooding shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 01026's composite natural disaster risk at 6.5 out of 10 — high risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for avalanche and ice storm risk in their preparedness planning.
ZIP 01026's risk score, near the 6.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hurricane, avalanche, and ice storm. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 01026'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 ZIP 01026: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Risk for the surrounding area
Local Factors for ZIP 01026
These city-level factors differentiate ZIP 01026 from other communities in Massachusetts County and provide geographic context for its hazard exposure.
Population
1,014
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 42.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
42.4686° N, 72.9230° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 01026
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Massachusetts
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.