Natural Disaster Risk — ZIP Code 02804

Natural Hazard Profile: ZIP 02804, Rhode Island

ZIP 02804 in Ashaway sits along the northeastern Atlantic Seaboard. Its humid continental climate produces cold winters with coastal influence and warm summers, and notably nor'easter and coastal flooding events. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 02804 carries an overall risk score of 5.4/10, placing it in the moderate 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 ice storm.

Within Rhode Island, ZIP 02804's risk is, near the 5.4/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Rhode Island identifies coastal flood as the foremost hazard, followed by hurricane and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 02804's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.