Natural Disaster Risk — ZIP Code 13348

Natural Hazard Profile: ZIP 13348, New York

Located along the northeastern Atlantic Seaboard, ZIP 13348 serves the Hartwick 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 13348's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include cold wave and landslide.

Relative to other U.S. communities, ZIP 13348's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.1/10 state average. The hazard distribution here is led by avalanche and cold wave, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, ZIP 13348 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 avalanche is recommended.