🌍 ClimateRiskCheck

Natural Disaster Risk in Swan Lake

New York

6.3out of 10
High Risk

Risk Summary for Swan Lake

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

Top Hazards

Avalanche Hurricane Cold Wave

All 18 Hazard Scores

Avalanche
8.8
Hurricane
8.6
Cold Wave
8.1
Landslide
8.0
Lightning
7.8
Tornado
7.5
Earthquake
7.2
Strong Wind
6.9
Winter Weather
6.9
Ice Storm
6.1
Tsunami
5.4
Volcanic Activity
5.1
Extreme Heat
4.9
Coastal Flooding
4.9
Hail
4.3
Wildfire
3.8
Drought
3.4
Riverine Flooding
1.0

How it compares

Swan Lake
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: Swan Lake, New York

Swan Lake, in Sullivan County, is a small community of about 1,060 situated along the northeastern Atlantic Seaboard. Its humid continental climate brings cold winters, warm summers, and significant regional climate variation, and in particular nor'easters and lake-effect snowstorms. These conditions collectively define the natural hazard environment that Swan Lake residents and property owners must navigate.

According to FEMA's National Risk Index, Swan Lake carries an overall risk score of 6.3/10, placing it in the high category. 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. The area also faces notable exposure to hurricane and cold wave.

Within New York, Swan Lake's risk is, near the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Sullivan County identifies avalanche as the foremost hazard, followed by hurricane and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Swan Lake 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 Swan Lake: Avalanche preparedness

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

Local Factors for Swan Lake

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

Population

1,060

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.7Β°

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: 3.8/10

Coordinates

41.7403Β° N, 74.8350Β° W

Sullivan 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 Swan Lake

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Swan Lake

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.