🌍 ClimateRiskCheck

Natural Disaster Risk in Central Square

New York

5.8out of 10
Moderate Risk

Risk Summary for Central Square

Central Square scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Coastal Flooding Ice Storm

All 18 Hazard Scores

Winter Weather
9.4
Coastal Flooding
9.1
Ice Storm
8.7
Hurricane
7.4
Strong Wind
7.2
Earthquake
7.0
Lightning
6.8
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Landslide
5.0
Avalanche
4.5
Wildfire
4.4
Hail
3.4
Cold Wave
3.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Central Square
5.8
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: Central Square, New York

Central Square, in Oswego County, is a town of roughly 8,616 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 Central Square residents and property owners must navigate.

Central Square's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include coastal flood and ice storm.

Within New York, Central Square'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 Oswego 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.

Central Square's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that winter exposure is adequately protected is a worthwhile step for property owners.

What this means for Central Square: 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 Central Square

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

Population

8,616

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.3Β°

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: 4.4/10

Coordinates

43.3227Β° N, 76.1740Β° W

Oswego 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 Central Square

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Central Square

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.