Natural Disaster Risk — ZIP Code 13844

Natural Hazard Profile: ZIP 13844, New York

ZIP 13844 in South Plymouth 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 13844 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 13844'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.

ZIP 13844'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 hurricane exposure is adequately protected is a worthwhile step for property owners.