Natural hazards · Alfred

Alfred, NY natural hazards

Most of the natural-hazard damage FEMA expects in Alfred comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Alfred?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alfred to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Alfred faces

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

Inland flooding

84% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Alfred flood?

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

1paid claims since 1979

$551paid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $551

of all homes
are insured

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

Insurance rates: Allegany County.

Disasters that hit Alfred

2 federal disasters brought FEMA money here

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

Brought FEMA money into AlfredDeclared for Allegany County only

2004

Severe Storms and Flooding

$39K to the Village of Alfred for repairs

2003

Severe Storms, Flooding, and Tornadoes

2 households applied for aid

Allegany County has had 20 natural disasters declared since 1953, most often floods 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. Alfred is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.