Natural Disaster Risk — ZIP Code 04864
Warren, Maine
Risk Summary for ZIP 04864
ZIP 04864 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 04864, Maine
Located along the northeastern Atlantic Seaboard, ZIP 04864 serves the Warren community. The humid continental climate of this part of Maine — bringing long, harsh winters and brief summers with heavy snowfall — directly shapes the hazard exposure for properties in this postal area.
ZIP 04864's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include winter and ice storm.
Relative to other U.S. communities, ZIP 04864's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.2/10 state average. The hazard distribution here is led by coastal flood and winter, as measured by FEMA across Maine. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 04864's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that coastal flood exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 04864: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- 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.
Risk for the surrounding area
Local Factors for ZIP 04864
These city-level factors differentiate ZIP 04864 from other communities in Maine County and provide geographic context for its hazard exposure.
Population
4,932
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.7/10
Coordinates
44.1295° N, 69.2448° 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 04864
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.