Natural hazards · Addison

Addison, NY natural hazards

Most of the natural-hazard damage FEMA expects in Addison comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2003. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Addison?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Addison to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Addison faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

88% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Addison flood?

Every paid claim on a federal flood insurance policy in Addison, from FEMA’s records.

4paid claims since 2003

$39Kpaid to owners

1homes flooded more than once

20032026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Addison isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Steuben County.

Disasters that hit Addison

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Addison itself: aid to households, or repair grants to the Town of Addison.

Brought FEMA money into AddisonDeclared for Steuben County only

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$18K to the Town of Addison for repairs

2004

Severe Storms and Flooding

$193K to the Town of Addison for repairs

2003

Severe Storms, Flooding, and Tornadoes

$30K to the Town of Addison for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Addison

Addison and the towns around it

Very lowLowModerateHighVery high

Addisonmostly inland floodingHigh

Tuscaroramostly inland floodingHigh

Erwinmostly inland floodingHigh

Rathbonemostly inland floodingModerate

Thurstonmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Addison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Addison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Addison. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Addison total about $1.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.