🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 05858

North Concord, Vermont

3.9out of 10
Low Risk

Risk Summary for ZIP 05858

ZIP 05858 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 05858
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 05858, Vermont

ZIP 05858 in North Concord sits along the northeastern Atlantic Seaboard. Its humid continental climate produces long, snowy winters and cool summers, and notably nor'easters and spring flooding from snowmelt. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 05858 carries an overall risk score of 3.9/10, placing it in the low category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to hurricane and landslide.

Within Vermont, ZIP 05858's risk is, slightly below the 5.1/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Vermont identifies avalanche as the foremost hazard, followed by hurricane and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 05858 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” avalanche β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for ZIP 05858: Avalanche preparedness

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

Risk for the surrounding area

Local Factors for ZIP 05858

These city-level factors differentiate ZIP 05858 from other communities in Vermont County and provide geographic context for its hazard exposure.

Population

340

Rural

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 44.5Β°

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

44.5359Β° N, 71.8046Β° 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 05858

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.