🌍 ClimateRiskCheck

Natural Disaster Risk in Latham

New York

7.1out of 10
High Risk

Risk Summary for Latham

Latham scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Hurricane Lightning

All 18 Hazard Scores

Landslide
9.2
Tornado
9.0
Hurricane
9.0
Lightning
9.0
Avalanche
8.8
Ice Storm
8.8
Earthquake
8.6
Strong Wind
8.5
Extreme Heat
7.7
Hail
7.2
Cold Wave
7.2
Winter Weather
6.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.4
Drought
1.7
Riverine Flooding
1.0

How it compares

Latham
7.1
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: Latham, New York

Latham, in Albany County, is a city of approximately 20,081 residents 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 Latham residents and property owners must navigate.

According to FEMA's National Risk Index, Latham carries an overall risk score of 7.1/10, placing it in the high category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to hurricane and lightning.

Within New York, Latham'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 Albany County identifies landslide as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

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

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Local Factors for Latham

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

Population

20,081

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 42.8Β°

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

42.7535Β° N, 73.7767Β° W

Albany 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 Latham

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Latham

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.