Natural Disaster Risk — ZIP Code 14470

Natural Hazard Profile: ZIP 14470, New York

Located in the Great Lakes region, ZIP 14470 serves the Holley 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 14470's overall natural disaster risk is rated 4.5/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include ice storm and hurricane.

Relative to other U.S. communities, ZIP 14470's natural disaster risk is near the U.S. national average of 4.5/10, considerably below the 6.1/10 state average. The hazard distribution here is led by coastal flood and ice storm, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 14470'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 coastal flood exposure is adequately protected is a worthwhile step for property owners.