Natural Disaster Risk — ZIP Code 13811

Natural Hazard Profile: ZIP 13811, New York

ZIP 13811 in Newark Valley sits in the Great Lakes region. 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 13811 carries an overall risk score of 4.9/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to hurricane and landslide.

Within New York, ZIP 13811's risk is, slightly below the 6.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of New York identifies avalanche as the foremost hazard, followed by hurricane and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 13811'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 avalanche exposure is adequately protected is a worthwhile step for property owners.