🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 14873

Prattsburgh, New York

6.0out of 10
High Risk

Risk Summary for ZIP 14873

ZIP 14873 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
9.2
Landslide
8.3
Hurricane
8.0
Lightning
7.9
Tornado
6.3
Strong Wind
6.2
Cold Wave
6.2
Drought
6.1
Ice Storm
5.6
Hail
5.5
Tsunami
5.4
Extreme Heat
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.6
Winter Weather
4.2
Wildfire
3.9
Riverine Flooding
1.0

How it compares

ZIP 14873
6.0
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 14873, New York

ZIP 14873 in Prattsburgh 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 14873 carries an overall risk score of 6.0/10, placing it in the high category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to landslide and hurricane.

Within New York, ZIP 14873'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 avalanche as the foremost hazard, followed by landslide and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 14873's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 14873: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 14873

These city-level factors differentiate ZIP 14873 from other communities in New York County and provide geographic context for its hazard exposure.

Population

1,945

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Cool Continental

Latitude 42.5Β°

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: 3.9/10

Coordinates

42.5218Β° N, 77.2981Β° 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 14873

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.