Natural Disaster Risk in Smithville Flats
New York
Risk Summary for Smithville Flats
Smithville Flats scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: Smithville Flats, New York
Smithville Flats is a small unincorporated community in Chenango County, along the northeastern Atlantic Seaboard. The area experiences cold winters, warm summers, and significant regional climate variation, with nor'easters and lake-effect snowstorms shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Smithville Flats.
FEMA rates Smithville Flats's composite natural disaster risk at 5.1 out of 10 — moderate risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for landslide and winter risk in their preparedness planning.
Smithville Flats's risk score, slightly below the 6.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Chenango County, the highest-scoring are hurricane, landslide, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Smithville Flats residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.
What this means for Smithville Flats: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Local Factors for Smithville Flats
These city-level factors differentiate Smithville Flats from other communities in Chenango County and provide geographic context for its hazard exposure.
Population
385
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 42.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.6/10
Coordinates
42.4141° N, 75.8417° W
Chenango 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 Smithville Flats
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Smithville Flats
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.