🌍 ClimateRiskCheck

Natural Disaster Risk in Worcester

New York

5.6out of 10
Moderate Risk

Risk Summary for Worcester

Worcester scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Cold Wave Landslide

All 18 Hazard Scores

Avalanche
8.8
Cold Wave
8.7
Landslide
8.0
Hurricane
7.6
Winter Weather
7.4
Strong Wind
6.0
Lightning
5.6
Earthquake
5.4
Tsunami
5.4
Ice Storm
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.0
Wildfire
3.5
Extreme Heat
3.0
Drought
1.7
Riverine Flooding
1.0

How it compares

Worcester
5.6
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Worcester, New York

Worcester is a small community of about 2,298 in Otsego 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 Worcester.

According to FEMA's National Risk Index, Worcester carries an overall risk score of 5.6/10, placing it in the moderate category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to cold wave and landslide.

Worcester'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 Otsego County, the highest-scoring are avalanche, cold wave, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Worcester residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Worcester: Avalanche preparedness

  • 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.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Local Factors for Worcester

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

Population

2,298

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 42.6Β°

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: 3.5/10

Coordinates

42.6094Β° N, 74.7259Β° W

Otsego 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 Worcester

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Worcester

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.