Climate Risk Summary

Zip Code 04950, Risk Profile

The primary drivers of climate-related financial risk in Madison, ME (04950) are Cold Wave, Inland Flooding, and Hurricane. This area also faces an unusually high intensity for Lightning, Winter Weather, Ice Storm, and Drought 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

Cold Wave

$669,739

Expected Annual Loss for Zip Code 04950

96.9Score

Very High compared to US average

04950
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$506,474

Expected Annual Loss for Zip Code 04950

37.8Score

Relatively Low compared to US average

04950
Minimal Estimated LossMax Estimated Loss

Hurricane

$334,972

Expected Annual Loss for Zip Code 04950

86.5Score

Relatively Moderate compared to US average

04950
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$669,739
Score: 96.9
MAJOR DRIVER
Inland Flooding
$506,474
Score: 37.8
MAJOR DRIVER
Hurricane
$334,972
Score: 86.5
UNUSUALLY HIGH
Lightning
$90,999
Score: 97.3
UNUSUALLY HIGH
Winter Weather
$59,099
Score: 98.5
UNUSUALLY HIGH
Ice Storm
$56,156
Score: 93.7
UNUSUALLY HIGH
Drought
$54,569
Score: 93.7
Strong Wind
$44,397
Score: 74.2
Earthquake
$36,769
Score: 52.6
Tornado
$14,375
Score: 26.4
Hail
$10,998
Score: 56.5
Heat Wave
$6,477
Score: 7.2
Wildfire
$542
Score: 59.5
Landslide
$30
Score: 71.5

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.9
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 37.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 86.5
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.5
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 93.7
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.7

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 04957Zip Code 04958Zip Code 04979Zip Code 04976Zip Code 04911Zip Code 04912