Climate Risk Summary

Zip Code 03903, Risk Profile

The primary drivers of climate-related financial risk in South Eliot, ME (03903) are Inland Flooding, Hurricane, and Ice Storm. This area also faces an unusually high intensity for Drought and Coastal Flooding 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

$792,412

Expected Annual Loss for Zip Code 03903

42.8Score

Relatively Low compared to US average

03903
Minimal Estimated LossMax Estimated Loss

Hurricane

$404,006

Expected Annual Loss for Zip Code 03903

85.3Score

Relatively Moderate compared to US average

03903
Minimal Estimated LossMax Estimated Loss

Ice Storm

$124,856

Expected Annual Loss for Zip Code 03903

96.2Score

Relatively High compared to US average

03903
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
$792,412
Score: 42.8
MAJOR DRIVER
Hurricane
$404,006
Score: 85.3
MAJOR DRIVER
Ice Storm
$124,856
Score: 96.2
Earthquake
$105,784
Score: 67.5
Tornado
$45,407
Score: 36.6
Cold Wave
$31,496
Score: 31.4
UNUSUALLY HIGH
Drought
$28,895
Score: 90.3
UNUSUALLY HIGH
Coastal Flooding
$25,827
Score: 88.7
Strong Wind
$22,302
Score: 45.7
Lightning
$18,854
Score: 51.5
Heat Wave
$15,257
Score: 12.9
Hail
$4,287
Score: 34.3
Winter Weather
$4,255
Score: 51.4
Wildfire
$3,278
Score: 73.4
Landslide
$43
Score: 71.5

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: 42.8
🌀High Investment

Hurricane Mitigation

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

Risk Score: 85.3
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 96.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.3
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.7

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 03904Zip Code 03908Zip Code 03801Zip Code 03909Zip Code 03820Zip Code 03869