Natural Disaster Risk — ZIP Code 05904
Gilman, Vermont
Risk Summary for ZIP 05904
ZIP 05904 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.
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 05904, Vermont
ZIP 05904 covers part of the Gilman area, along the northeastern Atlantic Seaboard. The surrounding region experiences long, snowy winters and cool summers, with nor'easters and spring flooding from snowmelt shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 05904's composite natural disaster risk at 3.9 out of 10 — low risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for hurricane and landslide risk in their preparedness planning.
ZIP 05904's risk score, slightly below the 5.1/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, hurricane, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 05904 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 — avalanche — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for ZIP 05904: Avalanche preparedness
- 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.
- Properties in runout zones may require specialized hazard assessment and insurance.
Risk for the surrounding area
Local Factors for ZIP 05904
These city-level factors differentiate ZIP 05904 from other communities in Vermont County and provide geographic context for its hazard exposure.
Population
187
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.4°
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
44.4160° N, 71.7076° 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 05904
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.