🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 14614

Rochester, New York

7.3out of 10
High Risk

Risk Summary for ZIP 14614

ZIP 14614 scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Extreme Heat

All 18 Hazard Scores

Cold Wave
9.8
Winter Weather
9.6
Extreme Heat
9.5
Coastal Flooding
9.2
Ice Storm
9.1
Tornado
8.9
Earthquake
8.6
Strong Wind
8.2
Lightning
8.0
Hurricane
7.9
Drought
6.2
Wildfire
5.4
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Landslide
4.4
Hail
4.1
Riverine Flooding
1.0

How it compares

ZIP 14614
7.3
New York avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: ZIP 14614, New York

Located in the Great Lakes region, ZIP 14614 serves the Rochester community. The humid continental climate of this part of New York β€” bringing cold winters, warm summers, and significant regional climate variation β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 14614's overall natural disaster risk is rated 7.3/10 (High) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include winter and heat.

Relative to other U.S. communities, ZIP 14614's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 6.1/10 state average. The hazard distribution here is led by cold wave and winter, as measured by FEMA across New York. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 14614 residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 14614: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Risk for the surrounding area

Local Factors for ZIP 14614

These city-level factors differentiate ZIP 14614 from other communities in New York County and provide geographic context for its hazard exposure.

Population

1,158

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 43.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.4/10

Coordinates

43.1574Β° N, 77.6147Β° 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 14614

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.