🌍 ClimateRiskCheck

Natural Disaster Risk in Cato

New York

6.2out of 10
High Risk

Risk Summary for Cato

Cato scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Ice Storm Avalanche

All 18 Hazard Scores

Coastal Flooding
8.9
Ice Storm
8.9
Avalanche
8.7
Hurricane
7.6
Winter Weather
7.6
Strong Wind
6.7
Hail
6.4
Drought
6.2
Earthquake
5.4
Lightning
5.4
Tsunami
5.4
Landslide
5.3
Volcanic Activity
5.1
Extreme Heat
5.0
Tornado
4.7
Wildfire
4.1
Cold Wave
3.2
Riverine Flooding
1.0

How it compares

Cato
6.2
New York avg.
6.1
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: Cato, New York

Cato, in Cayuga County, is a town of roughly 3,732 residents 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 Cato residents and property owners must navigate.

According to FEMA's National Risk Index, Cato carries an overall risk score of 6.2/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to ice storm and avalanche.

Within New York, Cato'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 Cayuga County identifies coastal flood as the foremost hazard, followed by ice storm and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Cato residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Cato: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Cato

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

Population

3,732

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.2Β°

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: 4.1/10

Coordinates

43.1852Β° N, 76.5704Β° W

Cayuga 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 Cato

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Cato

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.