🌍 ClimateRiskCheck

Natural Disaster Risk in East Pembroke

New York

5.5out of 10
Moderate Risk

Risk Summary for East Pembroke

East Pembroke scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Ice Storm Drought

All 18 Hazard Scores

Lightning
8.8
Ice Storm
7.9
Drought
7.7
Hurricane
7.5
Strong Wind
6.8
Hail
6.7
Earthquake
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
4.5
Extreme Heat
4.3
Tornado
3.8
Winter Weather
3.7
Landslide
3.2
Wildfire
2.9
Riverine Flooding
1.0

How it compares

East Pembroke
5.5
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: East Pembroke, New York

Located in the Great Lakes region in Genesee County, East Pembroke is a small unincorporated community. The humid continental climate that characterizes this part of New York β€” marked by cold winters, warm summers, and significant regional climate variation β€” directly influences the types and severity of natural hazards present, making East Pembroke a community where hazard awareness has real practical value.

FEMA rates East Pembroke's composite natural disaster risk at 5.5 out of 10 β€” moderate risk. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. Residents should also account for ice storm and drought risk in their preparedness planning.

Relative to other U.S. communities, East Pembroke's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.1/10 state average. The hazard distribution here is led by lightning and ice storm, as measured by FEMA across Genesee County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

East Pembroke'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 lightning exposure is adequately protected is a worthwhile step for property owners.

What this means for East Pembroke: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Local Factors for East Pembroke

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

Population

162

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 43.0Β°

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: 2.9/10

Coordinates

42.9918Β° N, 78.3066Β° W

Genesee 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 East Pembroke

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in East Pembroke

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.