Natural Disaster Risk — ZIP Code 13325

Natural Hazard Profile: ZIP 13325, New York

ZIP 13325 in Constableville 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 13325 carries an overall risk score of 4.4/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to winter and hurricane.

Within New York, ZIP 13325's risk is, considerably below the 6.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of New York identifies ice storm as the foremost hazard, followed by winter and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 13325's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that ice storm exposure is adequately protected is a worthwhile step for property owners.