Climate Risk Summary

Zip Code 04057, Risk Profile

The primary drivers of climate-related financial risk in Bridgton, ME (04057) are Inland Flooding, Hurricane, and Cold Wave. This area also faces an unusually high intensity for Ice Storm, Winter Weather, and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$358,545

Expected Annual Loss for Zip Code 04057

61.3Score

Relatively Moderate compared to US average

04057
Minimal Estimated LossMax Estimated Loss

Hurricane

$114,625

Expected Annual Loss for Zip Code 04057

84.5Score

Relatively Moderate compared to US average

04057
Minimal Estimated LossMax Estimated Loss

Cold Wave

$50,078

Expected Annual Loss for Zip Code 04057

67.7Score

Relatively Moderate compared to US average

04057
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$358,545
Score: 61.3
MAJOR DRIVER
Hurricane
$114,625
Score: 84.5
MAJOR DRIVER
Cold Wave
$50,078
Score: 67.7
UNUSUALLY HIGH
Ice Storm
$32,323
Score: 95.1
UNUSUALLY HIGH
Winter Weather
$15,970
Score: 96.5
Strong Wind
$13,991
Score: 64.8
Lightning
$10,385
Score: 69.4
Earthquake
$9,753
Score: 40.6
Tornado
$4,848
Score: 22.4
Heat Wave
$3,530
Score: 8.8
Avalanche
$1,971
Score: 61.2
Hail
$939
Score: 29.4
Wildfire
$475
Score: 66.7
UNUSUALLY HIGH
Landslide
$411
Score: 91.7
Drought
$176
Score: 76.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 61.3
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 84.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 67.7
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 95.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 91.7

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 04009Zip Code 04040Zip Code 04088Zip Code 04270Zip Code 04022Zip Code 04055