I mean, if you’re going to attempt to kill with a bite, I’d assume they’re going for the neck or other particularly vulnerable place. I’d argue commoner bite attacks should have very low chance to hit, but could plausibly be lethal. Most places they get a good bite won’t be able to do any damage, except maybe cause a Con save for disease… I’d say an improvised attack with Disadvantage for 1d6 damage probably works pretty well.
New England is pretty chill. Well, like anywhere with flowing water some regions are flood risks, but that is all very predictable if you go in looking for that info. Aside from that the worst you can count on is snow and ice storms. But at least property damage is usually low, just gaps without power in some areas. Frozen pipes are more preventable, but also more likely to cause significant damage. We do technically get some little earthquakes. And I think once a year or so tornados do happen, but the last time I remember one causing real damage I was in high-school. We actually were going to an event in Colorado and we flew over the storm system that would result in the tornado. That was like… God around 20 years ago T_T