🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 03785

Woodsville, New Hampshire

6.2out of 10
High Risk

Risk Summary for ZIP 03785

ZIP 03785 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 03785
6.2
New Hampshire avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 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 03785, New Hampshire

ZIP 03785 in Woodsville sits along the northeastern Atlantic Seaboard. Its humid continental climate produces long, cold winters and brief, warm summers, and notably heavy nor'easter snowstorms. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 03785 carries an overall risk score of 6.2/10, placing it in the high category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and winter.

Within New Hampshire, ZIP 03785's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of New Hampshire identifies landslide as the foremost hazard, followed by avalanche and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 03785'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 03785: Landslide preparedness

  • 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.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Risk for the surrounding area

Local Factors for ZIP 03785

These city-level factors differentiate ZIP 03785 from other communities in New Hampshire County and provide geographic context for its hazard exposure.

Population

2,018

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 44.1Β°

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

44.0652Β° N, 71.8702Β° 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 03785

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.