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See also the New York Condominium Act (NY Real Prop. Law § 339).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Relatively Low composite risk for this county · 36th percentile of NY counties
25 federal disaster declarations for this county, including 4 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Annual change in ZIP 12946
2020 +7.1% · 2021 +11.1% · 2022 +18.3%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
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Most recent significant event in Essex County: Flash flood, Jul 13, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Essex County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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Homeowners insurance in ZIP 12946 · 2022
Average premium changed -4.3% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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On file as HARBOR CONDOMINIUM III
Principal address · Legal name · Type
Filed as shown; displayed as Harbor Condominium III
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