Natural Disaster Risk in Caroga Lake
New York
Risk Summary for Caroga Lake
Caroga Lake scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Caroga Lake, New York
Caroga Lake is a small community of about 662 in Hamilton County, along the northeastern Atlantic Seaboard. The area experiences cold winters, warm summers, and significant regional climate variation, with nor'easters and lake-effect snowstorms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Caroga Lake.
According to FEMA's National Risk Index, Caroga Lake carries an overall risk score of 3.9/10, placing it in the low category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to landslide and hurricane.
Caroga Lake's risk score, considerably below the 6.1/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hamilton County, the highest-scoring are avalanche, landslide, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Caroga Lake carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — avalanche — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.
What this means for Caroga Lake: Avalanche preparedness
- 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.
- Properties in runout zones may require specialized hazard assessment and insurance.
Local Factors for Caroga Lake
These city-level factors differentiate Caroga Lake from other communities in Hamilton County and provide geographic context for its hazard exposure.
Population
662
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 43.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.5/10
Coordinates
43.2404° N, 74.5567° W
Hamilton 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 Caroga Lake
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Caroga Lake
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.