ZIP Code 13123 — North Bay CDP, NY Demographics & Data

ZIP code 13123 covers North Bay, NY in Oneida County with a population of about 35.

It sits in telephone area codes 315, 680; U.S. House district NY-21; the UTICA media market.

North Bay, NY fits a retirement-oriented profile (high share of residents 65+ (100.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 0.0%.

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for North Bay CDP, NY as Relatively Moderate (composite score 86.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.1) and hurricane (70.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for North Bay CDP, NY show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 13123 (North Bay CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.