Natural Disaster Risk — ZIP Code 13620

Natural Hazard Profile: ZIP 13620, New York

ZIP 13620 covers part of the Castorland area, along the northeastern Atlantic Seaboard. 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 13620's composite natural disaster risk at 4.4 out of 10 — moderate risk. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Residents should also account for winter and hurricane risk in their preparedness planning.

ZIP 13620's risk score, considerably 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 ice storm, winter, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 13620'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.