Natural Disaster Risk — ZIP Code 13637

Natural Hazard Profile: ZIP 13637, New York

ZIP 13637 in Evans Mills 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 13637 carries an overall risk score of 5.7/10, placing it in the moderate category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to coastal flood and ice storm.

Within New York, ZIP 13637's risk is, near the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of New York identifies winter as the foremost hazard, followed by coastal flood and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 13637'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 winter exposure is adequately protected is a worthwhile step for property owners.