Natural Disaster Risk in Three Mile Bay
New York
Risk Summary for Three Mile Bay
Three Mile Bay scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
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: Three Mile Bay, New York
Three Mile Bay is a small unincorporated community in Jefferson County, in the Great Lakes region. 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 Three Mile Bay.
FEMA rates Three Mile Bay's composite natural disaster risk at 5.7 out of 10 — moderate risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for coastal flood and ice storm risk in their preparedness planning.
Three Mile Bay's risk score, near 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 Jefferson County, the highest-scoring are winter, coastal flood, and ice storm. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Three Mile Bay's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that winter exposure is adequately protected is a worthwhile step for property owners.
What this means for Three Mile Bay: Winter Weather preparedness
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
Local Factors for Three Mile Bay
These city-level factors differentiate Three Mile Bay from other communities in Jefferson County and provide geographic context for its hazard exposure.
Population
423
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.7/10
Coordinates
44.0324° N, 76.2482° W
Jefferson 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 Three Mile Bay
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Three Mile Bay
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.