🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 04463

Milo, Maine

5.7out of 10
Moderate Risk

Risk Summary for ZIP 04463

ZIP 04463 scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Cold Wave Ice Storm

All 18 Hazard Scores

Avalanche
9.5
Cold Wave
9.4
Ice Storm
9.4
Winter Weather
9.1
Lightning
8.8
Hurricane
8.4
Landslide
6.8
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.9
Coastal Flooding
4.9
Earthquake
4.8
Hail
2.3
Strong Wind
2.2
Extreme Heat
2.2
Wildfire
2.0
Tornado
2.0
Riverine Flooding
1.0

How it compares

ZIP 04463
5.7
Maine avg.
6.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 04463, Maine

ZIP 04463 in Milo 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 04463 carries an overall risk score of 5.7/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to cold wave and ice storm.

Within Maine, ZIP 04463's risk is, slightly below the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Maine identifies avalanche as the foremost hazard, followed by cold wave and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 04463 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for ZIP 04463: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 04463

These city-level factors differentiate ZIP 04463 from other communities in Maine County and provide geographic context for its hazard exposure.

Population

2,582

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 45.3Β°

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: 2.0/10

Coordinates

45.2812Β° N, 68.9057Β° 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 04463

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.