Natural Disaster Risk — ZIP Code 14036

Natural Hazard Profile: ZIP 14036, New York

ZIP 14036 in Corfu 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 14036 carries an overall risk score of 5.5/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to ice storm and drought.

Within New York, ZIP 14036'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 lightning as the foremost hazard, followed by ice storm and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 14036'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 lightning exposure is adequately protected is a worthwhile step for property owners.