Natural Disaster Risk — ZIP Code 04640

Natural Hazard Profile: ZIP 04640, Maine

ZIP 04640 in Hancock 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 04640 carries an overall risk score of 6.2/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to winter and ice storm.

Within Maine, ZIP 04640'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 Maine identifies coastal flood as the foremost hazard, followed by winter and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 04640 residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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.