🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 03784

West Lebanon, New Hampshire

6.2out of 10
High Risk

Risk Summary for ZIP 03784

ZIP 03784 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Winter Weather

All 18 Hazard Scores

Landslide
9.8
Avalanche
9.5
Winter Weather
9.4
Hurricane
8.6
Lightning
8.3
Ice Storm
8.0
Earthquake
7.3
Cold Wave
6.0
Strong Wind
5.5
Tsunami
5.4
Extreme Heat
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
3.9
Tornado
3.4
Hail
2.9
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 03784
6.2
New Hampshire avg.
6.2
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk β€” 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 03784, New Hampshire

Located along the northeastern Atlantic Seaboard, ZIP 03784 serves the West Lebanon 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 03784's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include avalanche and winter.

Relative to other U.S. communities, ZIP 03784'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 landslide and avalanche, 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 high natural disaster risk rating, ZIP 03784 residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 03784: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Risk for the surrounding area

Local Factors for ZIP 03784

These city-level factors differentiate ZIP 03784 from other communities in New Hampshire County and provide geographic context for its hazard exposure.

Population

3,804

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: 3.9/10

Coordinates

43.6367Β° N, 72.3061Β° 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 03784

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.