Core risk
Weather & Environmental Risk
Catastrophic loss pressure driven by severe weather exposure and seasonal volatility. This page explains the public signals behind weather & environmental risk and how they tend to show up in claims and pricing pressure in New York.
State signal
92
/ 100
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Sources
Public, regulator-grade inputs used for this risk.
- FEMA National Risk Index
- NOAA seasonal summaries
- State storm event data
Signals tracked
What we measure for this risk
Severe weather exposure baseline
Composite hazard exposure score for New York.
Coverage: Modeled estimate. Source: FEMA National Risk Index (County Hazards).
Hazard mix detail
FEMA National Risk Index hazard scores that feed the exposure blend.
Hail exposure score: 62.3
Flood exposure score: 94.7
Hurricane exposure score: 87.5
Ice & snow exposure score: 93.2
Scores use FEMA hazard index values on a 0-100 scale.
Core signals
Primary public inputs that define weather risk in New York.
Severe weather exposure
Hail, flood, hurricane, and ice/snow exposure signals.
Sources: FEMA National Risk Index
Additional signals
Supplemental weather signals added as coverage expands.
Seasonal volatility
Seasonal risk variance index capturing claim spikes.
Sources: NOAA seasonal summaries, State storm event data
Why weather exposure matters
Weather exposure reflects the mix of hazards that drive comprehensive losses in a location.
- Hail, flood, hurricane, and winter events are major claim drivers.
- Repeated events create repair backlogs and raise overall claim costs.
- Exposure can shift quickly year to year, creating sudden pressure.