Natural Disaster Risk — ZIP Code 01039
Haydenville, Massachusetts
Risk Summary for ZIP 01039
ZIP 01039 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 01039, Massachusetts
Located along the northeastern Atlantic Seaboard, ZIP 01039 serves the Haydenville community. The humid continental climate of this part of Massachusetts — bringing cold winters with heavy snowfall and warm summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 01039's overall natural disaster risk is rated 6.5/10 (High) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include avalanche and ice storm.
Relative to other U.S. communities, ZIP 01039's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.5/10 state average. The hazard distribution here is led by hurricane and avalanche, as measured by FEMA across Massachusetts. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 01039'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 01039: Hurricane preparedness
- 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.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Risk for the surrounding area
Local Factors for ZIP 01039
These city-level factors differentiate ZIP 01039 from other communities in Massachusetts County and provide geographic context for its hazard exposure.
Population
1,506
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 42.4°
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
42.4105° N, 72.6919° 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 01039
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.