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ZIP Code 12031

Schoharie, New York

FIPS 12031

Juniper

ZIP Code 12031 is in the top 40% nationally for FEMA risk score. It also sits in the 65th percentile nationally for median home value.

Median Home Value

$270,200

Higher than 65% of U.S. ZIP codes

FEMA Risk Score

57

Lower than 60% of U.S. ZIP codes

The basics

Total Population

120

Median Age

63.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$270,200

Higher than 65%

Median Property Tax

$3,250

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.1

Near median

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

77.4

Winter Avg Low (°F)

14.7

Avg Temperature (°F)

45.6

Hot Days/yr (>90°F)

3.7

Freezing Days/yr (<32°F)

154.8

Annual Precipitation (in)

40.7

Annual Snowfall (in)

53.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

57

Lower than 60%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 12031: frequently asked questions

What is the median home value in ZIP Code 12031?
The median home value in ZIP Code 12031 is $270,200, higher than 65% of U.S. ZIP codes.
How much is property tax in ZIP Code 12031?
The median annual property tax in ZIP Code 12031 is $3,250, an effective rate of 1% of home value.
Is ZIP Code 12031 expensive to live in?
Homes in ZIP Code 12031 cost about 3.1× the median household income, near the U.S. ZIP codes median.
What is the weather like in ZIP Code 12031?
ZIP Code 12031 averages 45.6°F year-round, summer highs near 77.4°F, winter lows around 14.7°F (NOAA 1991–2020 normals). It sees about 53.5 inches of snow a year.
Is ZIP Code 12031 at risk of flooding or natural disasters?
ZIP Code 12031's FEMA National Risk Index score is 57 (lower than 60% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →