🌍 ClimateRiskCheck

Natural Disaster Risk in Black Creek

New York

5.1out of 10
Moderate Risk

Risk Summary for Black Creek

Black Creek scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
8.6
Landslide
7.7
Hurricane
7.6
Strong Wind
7.1
Lightning
6.6
Tsunami
5.4
Volcanic Activity
5.1
Tornado
4.9
Coastal Flooding
4.9
Cold Wave
4.8
Ice Storm
4.5
Winter Weather
4.0
Earthquake
3.6
Hail
3.2
Wildfire
3.0
Drought
3.0
Extreme Heat
2.6
Riverine Flooding
1.0

How it compares

Black Creek
5.1
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Black Creek, New York

Black Creek, in Allegany County, is a small community of about 555 situated in the Great Lakes region. Its humid continental climate brings cold winters, warm summers, and significant regional climate variation, and in particular nor'easters and lake-effect snowstorms. These conditions collectively define the natural hazard environment that Black Creek residents and property owners must navigate.

According to FEMA's National Risk Index, Black Creek carries an overall risk score of 5.1/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to landslide and hurricane.

Within New York, Black Creek's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Allegany County identifies avalanche as the foremost hazard, followed by landslide and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Black Creek residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Black Creek: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • 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.

Local Factors for Black Creek

These city-level factors differentiate Black Creek from other communities in Allegany County and provide geographic context for its hazard exposure.

Population

555

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 42.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.0/10

Coordinates

42.2837Β° N, 78.2349Β° W

Allegany County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Black Creek

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Black Creek

Other cities in New York

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.