ZIP Code 13337 — Fly Creek CDP, NY Demographics & Data

ZIP code 13337 covers Fly Creek, NY in Otsego County with a population of about 690.

At a glance, the area shows median age of 53.2 versus a U.S. median of about 38.9.

It sits in telephone area code 607; U.S. House district NY-19; the UTICA media market.

Median household income in ZIP 13337 is about $74,821 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 0.0%; 45.2% of adults with a bachelor’s degree or higher (about 11.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 12.7% of workers reporting work-from-home (about 2.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $287,500 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $791 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 52.7% (about 12.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 13337 in Fly Creek, NY, a household would need roughly $79,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,847. That is roughly in line with the local median household income ($74,821). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Fly Creek CDP, NY as Relatively Low (composite score 75.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.8) and hurricane (64.6). 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 Fly Creek CDP, NY show little to no average snow and around 47.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 30 for ZIP 13337 (Fly Creek 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.