Natural Disaster Risk — ZIP Code 13841

Natural Hazard Profile: ZIP 13841, New York

ZIP 13841 in Smithville Flats 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 13841 carries an overall risk score of 5.1/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to landslide and winter.

Within New York, ZIP 13841's risk is, slightly below 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 hurricane as the foremost hazard, followed by landslide and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 13841 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.