Natural Disaster Risk — ZIP Code 13864

Natural Hazard Profile: ZIP 13864, New York

Located in the Great Lakes region, ZIP 13864 serves the Willseyville 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 13864's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include hurricane and landslide.

Relative to other U.S. communities, ZIP 13864's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 6.1/10 state average. The hazard distribution here is led by avalanche and hurricane, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 13864'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.