Natural Disaster Risk β ZIP Code 11516
Cedarhurst, New York
Risk Summary for ZIP 11516
ZIP 11516 scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: ZIP 11516, New York
ZIP 11516 in Cedarhurst sits along the northeastern Atlantic Seaboard. Its humid continental climate produces cold winters, warm summers, and significant regional climate variation, and notably nor'easters and lake-effect snowstorms. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 11516 carries an overall risk score of 7.6/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to ice storm and winter.
Within New York, ZIP 11516's risk is, slightly above the 6.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of New York identifies coastal flood as the foremost hazard, followed by ice storm and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 11516 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 ZIP 11516: Coastal Flooding preparedness
- 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.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Risk for the surrounding area
Local Factors for ZIP 11516
These city-level factors differentiate ZIP 11516 from other communities in New York County and provide geographic context for its hazard exposure.
Population
9,112
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 40.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.1/10
Coordinates
40.6258Β° N, 73.7263Β° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 11516
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in New York
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1β10 across all US counties. This information is for general awareness only β consult official emergency management resources and a licensed insurer for property-specific advice.