Natural Disaster Risk — ZIP Code 06105
Hartford, Connecticut
Risk Summary for ZIP 06105
ZIP 06105 scores 8.1/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 06105, Connecticut
ZIP 06105 covers part of the Hartford area, along the northeastern Atlantic Seaboard. The surrounding region experiences cold winters, warm summers, and four well-defined seasons, with nor'easter storms and coastal flooding in winter 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 06105's composite natural disaster risk at 8.1 out of 10 — very high risk. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Residents should also account for ice storm and cold wave risk in their preparedness planning.
ZIP 06105's risk score, slightly above the 6.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are heat, ice storm, and cold wave. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Given ZIP 06105's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.
What this means for ZIP 06105: Extreme Heat preparedness
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
Risk for the surrounding area
Local Factors for ZIP 06105
These city-level factors differentiate ZIP 06105 from other communities in Connecticut County and provide geographic context for its hazard exposure.
Population
19,174
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 41.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.2/10
Coordinates
41.7732° N, 72.7044° 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 06105
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Connecticut
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.