🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 04646

Islesford, Maine

6.2out of 10
High Risk

Risk Summary for ZIP 04646

ZIP 04646 scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Winter Weather Ice Storm

All 18 Hazard Scores

Coastal Flooding
9.7
Winter Weather
9.6
Ice Storm
9.3
Hurricane
9.2
Avalanche
9.1
Lightning
8.4
Landslide
7.0
Cold Wave
7.0
Drought
6.3
Earthquake
5.7
Tsunami
5.4
Volcanic Activity
5.1
Hail
3.2
Strong Wind
3.0
Tornado
2.6
Extreme Heat
2.3
Wildfire
2.2
Riverine Flooding
1.0

How it compares

ZIP 04646
6.2
Maine avg.
6.2
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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 04646, Maine

ZIP 04646 in Islesford 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 04646 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 04646'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 04646 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.

What this means for ZIP 04646: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 04646

These city-level factors differentiate ZIP 04646 from other communities in Maine County and provide geographic context for its hazard exposure.

Population

134

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 44.3Β°

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: 2.2/10

Coordinates

44.2601Β° N, 68.2281Β° 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 04646

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.