Natural Disaster Risk — ZIP Code 12903

Plattsburgh, New York

5.9out of 10

Moderate Risk

Risk Summary for ZIP 12903

Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.

Top Hazards

Avalanche Ice Storm Earthquake

All 18 Hazard Scores

Avalanche

9.0

Ice Storm

8.7

Earthquake

8.6

Winter Weather

8.4

Lightning

7.5

Hurricane

7.4

Landslide

6.9

Strong Wind

6.0

Extreme Heat

5.4

Tsunami

5.4

Volcanic Activity

5.1

Cold Wave

5.0

Coastal Flooding

4.9

Tornado

3.5

Wildfire

3.4

Hail

2.6

Drought

1.7

Riverine Flooding

1.0

How it compares

ZIP 12903

5.9

New York avg.

6.1

US national avg.

4.5

Live Conditions

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🏠 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.

Other cities in New York

Corona7.8/10 Brooklyn7.9/10 Ridgewood7.8/10 Elmhurst7.8/10 Bronx7.6/10 Staten Island7.2/10 New York7.6/10 Woodside7.8/10

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.