Natural Disaster Risk in Melrose
New York
Risk Summary for Melrose
Melrose scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
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: Melrose, New York
Located along the northeastern Atlantic Seaboard in Rensselaer County, Melrose is a small community of about 2,280. 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 Melrose a community where hazard awareness has real practical value.
FEMA rates Melrose's composite natural disaster risk at 6.7 out of 10 β high risk. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. Residents should also account for avalanche and hurricane risk in their preparedness planning.
Relative to other U.S. communities, Melrose's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.1/10 state average. The hazard distribution here is led by hail and avalanche, as measured by FEMA across Rensselaer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Melrose residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 Melrose: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Local Factors for Melrose
These city-level factors differentiate Melrose from other communities in Rensselaer County and provide geographic context for its hazard exposure.
Population
2,280
Small TownGeographic 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: 3.8/10
Coordinates
42.8437Β° N, 73.6040Β° W
Rensselaer 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 Melrose
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Melrose
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.