Natural Disaster Risk — ZIP Code 14588

Natural Hazard Profile: ZIP 14588, New York

ZIP 14588 in Willard 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 14588 carries an overall risk score of 4.8/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to ice storm and hurricane.

Within New York, ZIP 14588's risk is, slightly below the 6.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of New York identifies drought as the foremost hazard, followed by ice storm and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 14588'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 drought exposure is adequately protected is a worthwhile step for property owners.