Natural hazards · Andover

Andover, NY natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 1981. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Andover?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 85% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%

By hazard

What Andover faces

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

Inland flooding

91% of expected damage

Well above average · higher than 97% 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 Andover flood?

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

13paid claims since 1981

$30Kpaid to owners

2homes flooded more than once

19812026

Homes that flooded again and again

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

of all homes
are insured

No community discount. Andover 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 Andover

3 federal disasters brought FEMA money here

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

Brought FEMA money into AndoverDeclared for Allegany County only

2009

Severe Storms and Flooding

$37K to the Village of Andover for repairs

2004

Severe Storms and Flooding

2 households applied for aid $4K aid approved

2003

Severe Storms, Flooding, and Tornadoes

12 households applied for aid $4K aid approved $18K to the Village of Andover for repairs

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. Andover 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 Andover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Andover. 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.

Andover, NY natural hazards

How exposed is Andover?

What Andover faces

Inland flooding

Lower here

Not a risk here

Does Andover flood?

Homes that flooded again and again

3 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

Severe Storms, Flooding, and Tornadoes

How to read this page

Where to, neighbor?

Matches

Nearby