URLs and seo for them

is there a difference between

domain.com/keywordurl

and domain.com/containerURL/keywordurl

for example if I wanted to rank for plumber in buffalo, new york

would it be better to be indexed off of the main domain?

plumberwebsite.com/new-york/buffalo

or

plumberwebsits.com/buffalo

or does it not even matter?

i think keyword cannibalization will happen if its /ny/buffalo

But, i might be wrong.

Just my 2 cents