Natural Disaster Risk — ZIP Code 13327

Natural Hazard Profile: ZIP 13327, New York

Located along the northeastern Atlantic Seaboard, ZIP 13327 serves the Croghan community. The humid continental climate of this part of New York — bringing cold winters, warm summers, and significant regional climate variation — directly shapes the hazard exposure for properties in this postal area.

ZIP 13327's overall natural disaster risk is rated 4.4/10 (Moderate) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include winter and hurricane.

Relative to other U.S. communities, ZIP 13327's natural disaster risk is near the U.S. national average of 4.5/10, considerably below the 6.1/10 state average. The hazard distribution here is led by ice storm and winter, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 13327'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.