Natural Disaster Risk — ZIP Code 04101
Portland, Maine
Risk Summary for ZIP 04101
ZIP 04101 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
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 04101, Maine
ZIP 04101 covers part of the Portland area, along the northeastern Atlantic Seaboard. The surrounding region experiences long, harsh winters and brief summers with heavy snowfall, with powerful nor'easter blizzards shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 04101's composite natural disaster risk at 7.3 out of 10 — high risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for ice storm and coastal flood risk in their preparedness planning.
ZIP 04101's risk score, slightly above the 6.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, ice storm, and coastal flood. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, ZIP 04101 residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter 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 04101: Winter Weather preparedness
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Risk for the surrounding area
Local Factors for ZIP 04101
These city-level factors differentiate ZIP 04101 from other communities in Maine County and provide geographic context for its hazard exposure.
Population
18,431
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 43.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.7/10
Coordinates
43.6624° N, 70.2586° 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 04101
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.