🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 14516

North Rose, New York

5.8out of 10
Moderate Risk

Risk Summary for ZIP 14516

ZIP 14516 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hail Ice Storm

All 18 Hazard Scores

Coastal Flooding
8.8
Hail
8.6
Ice Storm
7.9
Hurricane
7.2
Strong Wind
7.0
Earthquake
6.1
Lightning
5.7
Extreme Heat
5.4
Tsunami
5.4
Landslide
5.2
Volcanic Activity
5.1
Wildfire
4.8
Tornado
4.6
Avalanche
4.5
Drought
4.3
Winter Weather
4.3
Cold Wave
3.5
Riverine Flooding
1.0

How it compares

ZIP 14516
5.8
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: ZIP 14516, New York

ZIP 14516 in North Rose 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 14516 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 14516'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.

With a moderate risk rating, ZIP 14516 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.

What this means for ZIP 14516: 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 14516

These city-level factors differentiate ZIP 14516 from other communities in New York County and provide geographic context for its hazard exposure.

Population

2,185

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Cool Continental

Latitude 43.2Β°

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: 4.8/10

Coordinates

43.1985Β° N, 76.9115Β° 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 14516

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.