Natural Disaster Risk β ZIP Code 14525
Pavilion, New York
Risk Summary for ZIP 14525
ZIP 14525 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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 14525, New York
ZIP 14525 in Pavilion 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 14525 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 14525'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.
With a moderate risk rating, ZIP 14525 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 lightning is recommended.
What this means for ZIP 14525: Lightning preparedness
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
Risk for the surrounding area
Local Factors for ZIP 14525
These city-level factors differentiate ZIP 14525 from other communities in New York County and provide geographic context for its hazard exposure.
Population
2,608
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Cool Continental
Latitude 42.9Β°
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: 2.9/10
Coordinates
42.8724Β° N, 78.0147Β° 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 14525
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 1β10 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.