Natural Disaster Risk — ZIP Code 05440
Alburgh, Vermont
Risk Summary for ZIP 05440
ZIP 05440 scores 3.2/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 05440, Vermont
Located along the northeastern Atlantic Seaboard, ZIP 05440 serves the Alburgh community. The humid continental climate of this part of Vermont — bringing long, snowy winters and cool summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 05440's overall natural disaster risk is rated 3.2/10 (Low) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include tsunami and volcano.
Relative to other U.S. communities, ZIP 05440's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.1/10 state average. The hazard distribution here is led by hurricane and tsunami, as measured by FEMA across Vermont. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 05440 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers hurricane — remains prudent for all residents.
What this means for ZIP 05440: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Risk for the surrounding area
Local Factors for ZIP 05440
These city-level factors differentiate ZIP 05440 from other communities in Vermont County and provide geographic context for its hazard exposure.
Population
1,832
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 45.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.6/10
Coordinates
44.9521° N, 73.2848° 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 05440
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Vermont
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.