Natural Disaster Risk in Ocean Beach
New York
Risk Summary for Ocean Beach
Ocean Beach scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Ocean Beach, New York
Located along the northeastern Atlantic Seaboard in Suffolk County, Ocean Beach is a small unincorporated community. The humid continental climate that characterizes this part of New York — marked by cold winters, warm summers, and significant regional climate variation — directly influences the types and severity of natural hazards present, making Ocean Beach a community where hazard awareness has real practical value.
Ocean Beach's overall natural disaster risk is rated 7.9/10 (High) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include winter and hurricane.
Relative to other U.S. communities, Ocean Beach's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 6.1/10 state average. The hazard distribution here is led by coastal flood and winter, as measured by FEMA across Suffolk County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Ocean Beach's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Ocean Beach: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Ocean Beach
These city-level factors differentiate Ocean Beach from other communities in Suffolk County and provide geographic context for its hazard exposure.
Population
77
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.7/10
Coordinates
40.6495° N, 73.1412° W
Suffolk 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 Ocean Beach
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Ocean Beach
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.