🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 03253

Meredith, New Hampshire

5.9out of 10
Moderate Risk

Risk Summary for ZIP 03253

ZIP 03253 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Hurricane Ice Storm

All 18 Hazard Scores

Lightning
9.5
Hurricane
8.6
Ice Storm
8.6
Avalanche
8.4
Winter Weather
7.8
Landslide
7.5
Earthquake
6.5
Tsunami
5.4
Volcanic Activity
5.1
Extreme Heat
5.0
Coastal Flooding
4.9
Strong Wind
4.5
Drought
4.3
Cold Wave
4.1
Tornado
4.0
Wildfire
3.5
Hail
2.6
Riverine Flooding
1.0

How it compares

ZIP 03253
5.9
New Hampshire avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 03253, New Hampshire

Located along the northeastern Atlantic Seaboard, ZIP 03253 serves the Meredith community. The humid continental climate of this part of New Hampshire β€” bringing long, cold winters and brief, warm summers β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 03253's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include hurricane and ice storm.

Relative to other U.S. communities, ZIP 03253's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.2/10 state average. The hazard distribution here is led by lightning and hurricane, as measured by FEMA across New Hampshire. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 03253 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.

What this means for ZIP 03253: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Risk for the surrounding area

Local Factors for ZIP 03253

These city-level factors differentiate ZIP 03253 from other communities in New Hampshire County and provide geographic context for its hazard exposure.

Population

6,707

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.6Β°

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: 3.5/10

Coordinates

43.6319Β° N, 71.4975Β° 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 03253

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in New Hampshire

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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.