Natural Disaster Risk — ZIP Code 13659

Natural Hazard Profile: ZIP 13659, New York

ZIP 13659 covers part of the Lorraine 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 13659's composite natural disaster risk at 5.7 out of 10 — moderate risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for coastal flood and ice storm risk in their preparedness planning.

ZIP 13659's risk score, near the 6.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, coastal flood, and ice storm. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 13659'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.