Natural Disaster Risk — ZIP Code 12524

Natural Hazard Profile: ZIP 12524, New York

ZIP 12524 in Fishkill 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 12524 carries an overall risk score of 7.7/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to coastal flood and landslide.

Within New York, ZIP 12524's risk is, considerably 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 hurricane as the foremost hazard, followed by coastal flood and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 12524 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane 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.