Natural Disaster Risk in Garnerville
New York
7.3out of 10
Risk Summary for Garnerville
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Strong Wind Coastal Flooding Winter Weather
All 18 Hazard Scores
Strong Wind 9.7
Winter Weather 9.5
Coastal Flooding 9.5
Lightning 9.3
Extreme Heat 9.2
Earthquake 9.0
Hurricane 9.0
Avalanche 8.8
Cold Wave 8.8
Ice Storm 8.2
Tornado 8.0
Landslide 6.6
Tsunami 5.4
Volcanic Activity 5.1
Drought 3.1
Hail 2.6
Wildfire 2.5
Riverine Flooding 1.0
How it compares
Garnerville 7.3
New York avg. 6.1
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Above-average risk — 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.
ZIP Codes in Garnerville
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.