🌍 ClimateRiskCheck

Natural Disaster Risk in Oswego

New York

5.8out of 10
Moderate Risk

Risk Summary for Oswego

Oswego scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Coastal Flooding Ice Storm

All 18 Hazard Scores

Winter Weather
9.4
Coastal Flooding
9.1
Ice Storm
8.7
Hurricane
7.4
Strong Wind
7.2
Earthquake
7.0
Lightning
6.8
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Landslide
5.0
Avalanche
4.5
Wildfire
4.4
Hail
3.4
Cold Wave
3.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Oswego
5.8
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: Oswego, New York

Located in the Great Lakes region in Oswego County, Oswego is a city of approximately 36,495 residents. 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 Oswego a community where hazard awareness has real practical value.

Oswego's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include coastal flood and ice storm.

Relative to other U.S. communities, Oswego's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.1/10 state average. The hazard distribution here is led by winter and coastal flood, as measured by FEMA across Oswego County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Oswego 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 winter is recommended.

What this means for Oswego: Winter Weather preparedness

  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • 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.

Local Factors for Oswego

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

Population

36,495

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.4Β°

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: 4.4/10

Coordinates

43.4347Β° N, 76.4633Β° W

Oswego 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 Oswego

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Oswego

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.