🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 14132

Sanborn, New York

6.3out of 10
High Risk

Risk Summary for ZIP 14132

ZIP 14132 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Ice Storm Avalanche

All 18 Hazard Scores

Coastal Flooding
9.0
Ice Storm
8.9
Avalanche
8.2
Lightning
8.0
Strong Wind
7.7
Cold Wave
7.3
Hurricane
7.1
Earthquake
7.0
Extreme Heat
6.4
Winter Weather
6.2
Tornado
5.8
Tsunami
5.4
Volcanic Activity
5.1
Hail
4.9
Wildfire
4.2
Drought
2.8
Landslide
2.3
Riverine Flooding
1.0

How it compares

ZIP 14132
6.3
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 14132, New York

ZIP 14132 in Sanborn 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 14132 carries an overall risk score of 6.3/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to ice storm and avalanche.

Within New York, ZIP 14132's risk is, near 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 coastal flood as the foremost hazard, followed by ice storm and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 14132's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 14132: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 14132

These city-level factors differentiate ZIP 14132 from other communities in New York County and provide geographic context for its hazard exposure.

Population

6,453

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 43.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.2/10

Coordinates

43.1479Β° N, 78.8786Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 14132

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in New York

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.