Natural Disaster Risk — ZIP Code 12170

Natural Hazard Profile: ZIP 12170, New York

ZIP 12170 in Stillwater 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 12170 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 ice storm.

Within New York, ZIP 12170'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 New York identifies avalanche as the foremost hazard, followed by hurricane and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 12170's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.