Natural Disaster Risk — ZIP Code 02127
South Boston, Massachusetts
Risk Summary for ZIP 02127
ZIP 02127 scores 6.8/10 (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: ZIP 02127, Massachusetts
ZIP 02127 covers part of the South Boston 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 02127's composite natural disaster risk at 6.8 out of 10 — high risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for heat and lightning risk in their preparedness planning.
ZIP 02127's risk score, near the 6.5/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are coastal flood, heat, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, ZIP 02127 residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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 ZIP 02127: Coastal Flooding preparedness
- 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.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
Risk for the surrounding area
Local Factors for ZIP 02127
These city-level factors differentiate ZIP 02127 from other communities in Massachusetts County and provide geographic context for its hazard exposure.
Population
36,769
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 42.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.0/10
Coordinates
42.3346° N, 71.0387° 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 02127
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.