Natural Disaster Risk in Black River
New York
Risk Summary for Black River
Black River scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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 River, New York
Black River, in Jefferson County, is a town of roughly 2,865 residents situated along the northeastern Atlantic Seaboard. 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 River residents and property owners must navigate.
According to FEMA's National Risk Index, Black River carries an overall risk score of 5.7/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to coastal flood and ice storm.
Within New York, Black River's risk is, near the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Jefferson County identifies winter as the foremost hazard, followed by coastal flood and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Black River 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 winter is recommended.
What this means for Black River: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Black River
These city-level factors differentiate Black River from other communities in Jefferson County and provide geographic context for its hazard exposure.
Population
2,865
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.0Β°
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: 3.7/10
Coordinates
43.9857Β° N, 75.7691Β° W
Jefferson 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 River
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Black River
Other cities in New York
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.