Home Safety in Herkimer, NY: High Risk
Score 40/100 · Risk: high · Water Grade D · Updated 2026-05-03
Herkimer has elevated risk. Multiple safety factors require thorough evaluation before purchasing.
Data: EPA SDWIS, FEMA NFIP, Census ACS, EPA Radon Zones Last verified: 2026-05-03
For Herkimer property owners, the repair budget here is a meaningful slice of typical household net worth.
What is a home safety score?
The home safety score (0-100) combines multiple environmental risk factors into a single number: water quality grade, lead contamination levels, flood zone exposure, radon risk, and air quality. A higher score means lower overall risk. The score helps homebuyers compare neighborhoods at a glance. Herkimer scores 40/100 with a "high" risk level.
What is the equity trap ratio?
The equity trap ratio measures estimated remediation costs as a percentage of median home value. A high ratio (above 5%) means fixing environmental issues could consume a significant portion of your home equity — a potential "trap" for buyers unaware of hidden costs. Herkimer's equity trap ratio is 5.3%, which is considered high.
Remediation Cost Breakdown
Estimated costs to address safety issues for a typical home in Herkimer:
Cost ranges are estimates based on national averages. Actual costs vary by property. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Safety scores vary across Herkimer's 1 ZIP codes.
| ZIP Code | Score | Grade | |
|---|---|---|---|
| 13350 | 40 | D | View report → |
Home Safety Overview
Herkimer, New York has elevated risk for homebuyers. The average home safety score is 40/100 across 1 ZIP codes. Multiple risk factors require thorough evaluation before purchasing property.
Safety Score Card
A composite view of Herkimer's key risk indicators:
| Risk Factor | Value | Assessment |
|---|---|---|
| Water Quality | Grade D (40/100) | Elevated risk |
| Lead Risk | 0.0190 mg/L | Elevated risk |
| Flood Risk | 1% in flood zones | Low risk |
| Radon | Zone 3 (Low) | Low risk |
| Air Quality | AQI 0 (Unknown) | Low risk |
Cost to Fix: Remediation Breakdown
Estimated costs to address safety issues for a typical home in Herkimer:
| Component | Estimated Cost |
|---|---|
| Lead | $5K |
| Filtration | $600 |
| Flood Insurance | $1K |
| Total (low estimate) | $5K |
| Total (mid estimate) | $7K |
| Total (high estimate) | $11K |
Cost ranges are estimates based on national averages and local data. Actual costs vary by property condition, contractor, and scope of work. Get 3 quotes before proceeding.
Herkimer vs. Nearby New York Cities
How Herkimer's overall risk compares to similar cities in New York:
| City | Water Grade | Lead ZIPs Over Limit | Flood Claims | Population |
|---|---|---|---|---|
| Herkimer | D | 1 | 14 | 8,822 |
| Goshen | F | 0 | 90 | 8,845 |
| Red Hook | C | 0 | 27 | 8,790 |
| Catskill | D | 0 | 132 | 8,779 |
Homebuyer Safety Checklist for Herkimer
Before purchasing a home in Herkimer, New York, complete these checks:
Water Quality
- Request the latest Consumer Confidence Report (CCR) from the water utility
- Test tap water for lead, bacteria, and nitrates ($20-$50 for DIY kit)
- 1 ZIP codes exceed EPA lead limits — test lead specifically
Radon
- Conduct a radon test ($15-$30 for short-term kit, $150-$300 for professional)
Flood Risk
- Check the property's FEMA flood zone at msc.fema.gov
- Ask about flood history and past insurance claims
Lead Paint & Pipes
- For homes built before 1978: request lead paint disclosure
- For homes built before 1986: inspect plumbing for lead solder and pipes
- 90% of Herkimer homes built before 1986 — pipe inspection recommended
General
- Check for carbon monoxide detectors on every level
- Inspect for visible mold, water stains, or musty odors
- Verify the home's connection to a regulated public water system
Data Sources
- Water quality: EPA SDWIS
- Lead: EPA Lead and Copper Rule
- Flood: FEMA NFIP
- Radon: EPA Radon Zones
- Air quality: EPA AirNow
- Home values: U.S. Census Bureau ACS B25077
- Remediation costs: National cost model (EPA, Census, FEMA data)
Updated daily.
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