Natural Disaster Risk β ZIP Code 04061
North Waterboro, Maine
Risk Summary for ZIP 04061
ZIP 04061 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
π 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 04061, Maine
ZIP 04061 in North Waterboro sits along the northeastern Atlantic Seaboard. Its humid continental climate produces long, harsh winters and brief summers with heavy snowfall, and notably powerful nor'easter blizzards. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 04061 carries an overall risk score of 6.9/10, placing it in the high category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to coastal flood and hurricane.
Within Maine, ZIP 04061's risk is, slightly above the 6.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Maine identifies ice storm as the foremost hazard, followed by coastal flood and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 04061'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 04061: Ice Storm preparedness
- 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.
- Keep walkways treated and avoid travel during freezing-rain events.
Risk for the surrounding area
Local Factors for ZIP 04061
These city-level factors differentiate ZIP 04061 from other communities in Maine County and provide geographic context for its hazard exposure.
Population
3,074
Small TownGeographic 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
Moderate β seasonal fire risk
Fire score: 6.2/10
Coordinates
43.6341Β° N, 70.7431Β° 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 04061
Last 12 months Β· 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 1β10 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.