🌍 ClimateRiskCheck

Natural Disaster Risk in Stillwater

New York

6.3out of 10
High Risk

Risk Summary for Stillwater

Stillwater scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Ice Storm

All 18 Hazard Scores

Avalanche
8.7
Hurricane
8.5
Ice Storm
8.2
Lightning
8.1
Earthquake
7.7
Tornado
7.4
Strong Wind
6.8
Extreme Heat
6.5
Landslide
6.5
Cold Wave
6.0
Hail
5.4
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.5
Drought
1.7
Riverine Flooding
1.0

How it compares

Stillwater
6.3
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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: Stillwater, New York

Located along the northeastern Atlantic Seaboard in Saratoga County, Stillwater is a town of roughly 5,351 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 Stillwater a community where hazard awareness has real practical value.

FEMA rates Stillwater's composite natural disaster risk at 6.3 out of 10 β€” high risk. 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. Residents should also account for hurricane and ice storm risk in their preparedness planning.

Relative to other U.S. communities, Stillwater'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 avalanche and hurricane, as measured by FEMA across Saratoga County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Stillwater residents benefit from taking preparedness seriously. Reviewing insurance coverage for avalanche and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Stillwater: Avalanche preparedness

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

Local Factors for Stillwater

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

Population

5,351

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.0Β°

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: 4.5/10

Coordinates

42.9994Β° N, 73.6623Β° W

Saratoga 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 Stillwater

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Stillwater

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.