Natural Disaster Risk — ZIP Code 13065
Fayette, New York
Risk Summary for ZIP 13065
ZIP 13065 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: ZIP 13065, New York
ZIP 13065 covers part of the Fayette area, in the Great Lakes region. The surrounding region experiences cold winters, warm summers, and significant regional climate variation, with nor'easters and lake-effect snowstorms shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 13065's composite natural disaster risk at 4.8 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for ice storm and hurricane risk in their preparedness planning.
ZIP 13065's risk score, slightly below the 6.1/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are drought, ice storm, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 13065 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for ZIP 13065: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Risk for the surrounding area
Local Factors for ZIP 13065
These city-level factors differentiate ZIP 13065 from other communities in New York County and provide geographic context for its hazard exposure.
Population
80
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 42.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.5/10
Coordinates
42.8188° N, 76.8158° 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 13065
Last 12 months · 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 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.