Natural Disaster Risk — ZIP Code 14489

Natural Hazard Profile: ZIP 14489, New York

ZIP 14489 in Lyons 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 14489 carries an overall risk score of 5.8/10, placing it in the moderate 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 hail and ice storm.

Within New York, ZIP 14489'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 hail and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 14489'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.