Natural Disaster Risk — ZIP Code 03901
Berwick, Maine
Risk Summary for ZIP 03901
ZIP 03901 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
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 03901, Maine
Located along the northeastern Atlantic Seaboard, ZIP 03901 serves the Berwick community. The humid continental climate of this part of Maine — bringing long, harsh winters and brief summers with heavy snowfall — directly shapes the hazard exposure for properties in this postal area.
ZIP 03901's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include coastal flood and hurricane.
Relative to other U.S. communities, ZIP 03901's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.2/10 state average. The hazard distribution here is led by ice storm and coastal flood, as measured by FEMA across Maine. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 03901'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 03901: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Risk for the surrounding area
Local Factors for ZIP 03901
These city-level factors differentiate ZIP 03901 from other communities in Maine County and provide geographic context for its hazard exposure.
Population
8,175
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 43.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.2/10
Coordinates
43.3006° N, 70.8440° 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 03901
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Maine
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.