🌍 ClimateRiskCheck

Natural Disaster Risk in Suffolk County

New York

7.9out of 10
High Risk

Risk Summary for Suffolk County

Suffolk County scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Winter Weather Hurricane

All 18 Hazard Scores

Coastal Flooding
10.0
Winter Weather
9.9
Hurricane
9.8
Strong Wind
9.8
Lightning
9.8
Ice Storm
9.7
Earthquake
9.6
Cold Wave
9.6
Extreme Heat
9.5
Landslide
8.6
Tornado
7.8
Wildfire
7.7
Tsunami
5.4
Volcanic Activity
5.1
Hail
4.5
Avalanche
4.5
Drought
2.6
Riverine Flooding
1.0

How it compares

Suffolk County
7.9
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: Suffolk County, New York

Situated in the United States, Suffolk County in New York experiences a humid continental climate marked by cold winters, warm summers, and significant regional climate variation. Nor'easters and lake-effect snowstorms is a defining feature of the regional hazard profile that affects residents and property owners countywide.

Suffolk County'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, Suffolk County'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.

With a high natural disaster risk rating, Suffolk County residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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 Suffolk County: 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.

Cities in Suffolk County

Bay Shore7.9/10Huntington Station7.9/10Patchogue7.9/10Lindenhurst7.9/10Huntington7.9/10West Babylon7.9/10Central Islip7.9/10Ronkonkoma7.9/10Smithtown7.9/10Riverhead7.9/10Farmingdale7.9/10East Northport7.9/10Medford7.9/10Amityville7.9/10Centereach7.9/10Commack7.9/10Coram7.9/10Shirley7.9/10Deer Park7.9/10Holbrook7.9/10Selden7.9/10West Islip7.9/10Port Jefferson Station7.9/10Northport7.9/10East Hampton7.9/10Copiague7.9/10Stony Brook7.9/10Melville7.9/10Farmingville7.9/10East Setauket7.9/10Mastic7.9/10Kings Park7.9/10Hauppauge7.9/10North Babylon7.9/10Mastic Beach7.9/10Hampton Bays7.9/10Southampton7.9/10Saint James7.9/10Nesconset7.9/10Manorville7.9/10Sayville7.9/10East Islip7.9/10Babylon7.9/10Islip7.9/10Holtsville7.9/10Middle Island7.9/10Miller Place7.9/10Rocky Point7.9/10Ridge7.9/10Lake Grove7.9/10Mount Sinai7.9/10Greenlawn7.9/10Bohemia7.9/10Center Moriches7.9/10Port Jefferson7.9/10Bellport7.9/10Islip Terrace7.9/10Oakdale7.9/10Wading River7.9/10Sag Harbor7.9/10Bayport7.9/10Sound Beach7.9/10Calverton7.9/10Shoreham7.9/10Centerport7.9/10Southold7.9/10Yaphank7.9/10East Moriches7.9/10East Quogue7.9/10Mattituck7.9/10Greenport7.9/10Westhampton Beach7.9/10Montauk7.9/10Blue Point7.9/10Islandia7.9/10West Sayville7.9/10Brookhaven7.9/10Brightwaters7.9/10Cold Spring Harbor7.9/10Water Mill7.9/10Shelter Island7.9/10Cutchogue7.9/10Westhampton7.9/10Eastport7.9/10Moriches7.9/10East Marion7.9/10Great River7.9/10Orient7.9/10Laurel7.9/10Peconic7.9/10Amagansett7.9/10Remsenburg7.9/10Quogue7.9/10Bridgehampton7.9/10Sagaponack7.9/10Wainscott7.9/10South Jamesport7.9/10Shelter Island Heights7.9/10Speonk7.9/10New Suffolk7.9/10Jamesport7.9/10Ocean Beach7.9/10Fishers Island7.9/10Upton7.9/10Aquebogue7.9/10Brentwood7.9/10Wyandanch7.9/10

ZIP codes in Suffolk County

11706Bay Shore7.911746Huntington Station7.911772Patchogue7.911757Lindenhurst7.911743Huntington7.911704West Babylon7.911722Central Islip7.911779Ronkonkoma7.911787Smithtown7.911901Riverhead7.911735Farmingdale7.911731East Northport7.911763Medford7.911701Amityville7.911720Centereach7.911725Commack7.911727Coram7.911967Shirley7.911729Deer Park7.911741Holbrook7.911784Selden7.911795West Islip7.911776Port Jefferson Station7.911768Northport7.911937East Hampton7.911726Copiague7.911790Stony Brook7.911747Melville7.911738Farmingville7.911733East Setauket7.911950Mastic7.911754Kings Park7.911788Hauppauge7.911703North Babylon7.911951Mastic Beach7.911946Hampton Bays7.911968Southampton7.911780Saint James7.911767Nesconset7.911949Manorville7.911782Sayville7.911730East Islip7.911702Babylon7.911751Islip7.911742Holtsville7.911953Middle Island7.911764Miller Place7.911778Rocky Point7.911961Ridge7.911755Lake Grove7.911766Mount Sinai7.911740Greenlawn7.911716Bohemia7.911934Center Moriches7.911777Port Jefferson7.911713Bellport7.911752Islip Terrace7.911769Oakdale7.911792Wading River7.911963Sag Harbor7.911705Bayport7.911789Sound Beach7.911933Calverton7.911786Shoreham7.911721Centerport7.911971Southold7.911980Yaphank7.911940East Moriches7.911942East Quogue7.911952Mattituck7.911944Greenport7.911978Westhampton Beach7.911954Montauk7.911715Blue Point7.911749Islandia7.911796West Sayville7.911719Brookhaven7.911718Brightwaters7.911724Cold Spring Harbor7.911976Water Mill7.911964Shelter Island7.911935Cutchogue7.911977Westhampton7.911941Eastport7.911955Moriches7.911939East Marion7.911739Great River7.911957Orient7.911948Laurel7.911958Peconic7.911930Amagansett7.911794Stony Brook7.911960Remsenburg7.911959Quogue7.911932Bridgehampton7.911962Sagaponack7.911975Wainscott7.911970South Jamesport7.911965Shelter Island Heights7.911972Speonk7.911956New Suffolk7.911947Jamesport7.911770Ocean Beach7.906390Fishers Island7.911973Upton7.911931Aquebogue7.911717Brentwood7.911798Wyandanch7.9

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.