🌍 ClimateRiskCheck

Natural Disaster Risk in Mount Upton

New York

5.6out of 10
Moderate Risk

Risk Summary for Mount Upton

Mount Upton scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Cold Wave Landslide

All 18 Hazard Scores

Avalanche
8.8
Cold Wave
8.7
Landslide
8.0
Hurricane
7.6
Winter Weather
7.4
Strong Wind
6.0
Lightning
5.6
Earthquake
5.4
Tsunami
5.4
Ice Storm
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.0
Wildfire
3.5
Extreme Heat
3.0
Drought
1.7
Riverine Flooding
1.0

How it compares

Mount Upton
5.6
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Mount Upton, New York

Mount Upton, in Otsego County, is a small community of about 1,410 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 Mount Upton residents and property owners must navigate.

According to FEMA's National Risk Index, Mount Upton carries an overall risk score of 5.6/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to cold wave and landslide.

Within New York, Mount Upton's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Otsego County identifies avalanche as the foremost hazard, followed by cold wave and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Mount Upton residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Mount Upton: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Local Factors for Mount Upton

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

Population

1,410

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 42.4Β°

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: 3.5/10

Coordinates

42.4085Β° N, 75.3914Β° W

Otsego 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 Mount Upton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Mount Upton

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.