Natural Disaster Risk in Harpursville
New York
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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 TownGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Harpursville
Other cities in New York
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.