Natural Disaster Risk — ZIP Code 13693

Natural Hazard Profile: ZIP 13693, New York

Located in the Great Lakes region, ZIP 13693 serves the Three Mile Bay 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 13693's overall natural disaster risk is rated 5.7/10 (Moderate) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include coastal flood and ice storm.

Relative to other U.S. communities, ZIP 13693's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.1/10 state average. The hazard distribution here is led by winter and coastal flood, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 13693'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.