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Natural hazards · Albion

Albion, NY natural hazards

Most of the natural-hazard damage FEMA expects in Albion comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1989. 5 federal disasters brought FEMA money into town.

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

How exposed is Albion?

5
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albion to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves8%Strong wind6%Tornadoes5%Everything else10%
By hazard

What Albion faces

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

Inland flooding

71% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about once every 2 years in the area

Cold waves

8% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 3 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once a year in the area

Tornadoes

5% of expected damage
Well below average · higher than 24% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Albion flood?

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

1paid claims since 1989
$2Kpaid to owners
0homes flooded more than once
19892026
of all homes
are insured
No community discount. Albion isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orleans County.
Disasters that hit Albion

5 federal disasters brought FEMA money here

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

Brought FEMA money into AlbionDeclared for Orleans County only
2017

Severe Winter Storm and Snowstorm

$12K to the Village of Albion for repairs
2006

Severe Storms and Flooding

94 households applied for aid $31K aid approved $85K to the Village of Albion for repairs
2004

Severe Storms and Flooding

16 households applied for aid $3K aid approved $14K to the Village of Albion for repairs
2000

Severe Storms and Flooding

$2K to the Village of Albion for repairs
1999

Snow

$21K to the Village of Albion for repairs
Orleans County has had 17 natural disasters declared since 1953, most often winter storms and severe storms.
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. Albion covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Albion’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Albion. 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 Albion total about $791K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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