🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 05824

Concord, Vermont

3.9out of 10
Low Risk

Risk Summary for ZIP 05824

ZIP 05824 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Landslide

All 18 Hazard Scores

Avalanche
9.0
Hurricane
7.1
Landslide
6.5
Tsunami
5.4
Winter Weather
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
3.4
Ice Storm
3.3
Earthquake
3.2
Extreme Heat
2.4
Lightning
2.2
Tornado
1.7
Strong Wind
1.7
Drought
1.7
Wildfire
1.6
Hail
1.4
Riverine Flooding
1.0

How it compares

ZIP 05824
3.9
Vermont avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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 05824, Vermont

Located along the northeastern Atlantic Seaboard, ZIP 05824 serves the Concord community. The humid continental climate of this part of Vermont β€” bringing long, snowy winters and cool summers β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 05824's overall natural disaster risk is rated 3.9/10 (Low) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include hurricane and landslide.

Relative to other U.S. communities, ZIP 05824's natural disaster risk is below the U.S. national average of 4.5/10, slightly below the 5.1/10 state average. The hazard distribution here is led by avalanche and hurricane, 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 05824 is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers avalanche β€” remains prudent for all residents.

What this means for ZIP 05824: Avalanche preparedness

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

Risk for the surrounding area

Local Factors for ZIP 05824

These city-level factors differentiate ZIP 05824 from other communities in Vermont County and provide geographic context for its hazard exposure.

Population

1,155

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 44.4Β°

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: 1.6/10

Coordinates

44.4374Β° N, 71.8645Β° 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 05824

Last 12 months Β· Source: Open-Meteo archive

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