🌍 ClimateRiskCheck

Natural Disaster Risk in Harpursville

New York

6.7out of 10
High Risk

Risk Summary for Harpursville

Harpursville scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Lightning Tornado

All 18 Hazard Scores

Winter Weather
9.2
Tornado
8.6
Lightning
8.6
Hurricane
8.5
Avalanche
8.5
Landslide
7.9
Ice Storm
7.9
Cold Wave
7.5
Extreme Heat
7.4
Earthquake
7.3
Strong Wind
6.1
Hail
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.4
Drought
1.7
Riverine Flooding
1.0

How it compares

Harpursville
6.7
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 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: Harpursville, New York

Harpursville, in Broome County, is a small community of about 2,432 situated along the northeastern Atlantic Seaboard. 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 Harpursville residents and property owners must navigate.

According to FEMA's National Risk Index, Harpursville carries an overall risk score of 6.7/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to lightning and tornado.

Within New York, Harpursville's risk is, slightly above the 6.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Broome County identifies winter as the foremost hazard, followed by lightning and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Harpursville residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter 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 Harpursville: 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 Harpursville

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

Population

2,432

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 42.2Β°

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: 4.4/10

Coordinates

42.2061Β° N, 75.6633Β° W

Broome 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 Harpursville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harpursville

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.