Natural Disaster Risk in Otsego County
New York
5.6out of 10
Risk Summary for Otsego County
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
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
Otsego County 5.6
New York avg. 6.1
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Average risk — 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.
Cities in Otsego County
Oneonta5.6/10Cooperstown5.6/10Unadilla5.6/10Richfield Springs5.6/10West Winfield5.6/10New Berlin5.6/10Otego5.6/10Worcester5.6/10South New Berlin5.6/10Cherry Valley5.6/10Maryland5.6/10Schenevus5.6/10Morris5.6/10Edmeston5.6/10Mount Upton5.6/10Hartwick5.6/10Burlington Flats5.6/10Milford5.6/10Laurens5.6/10Mount Vision5.6/10
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.