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Natural hazards · Ashford

Ashford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ashford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 11 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

How exposed is Ashford?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ashford to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Ashford faces

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

Inland flooding

86% of expected damage
Well above average · higher than 85% 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 Ashford flood?

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

11paid claims since 1978
$38Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Late summer storms: 1 claim, $6K
of all homes
are insured
No community discount. Ashford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.
Disasters that hit Ashford

6 federal disasters brought FEMA money here

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

Brought FEMA money into AshfordDeclared for Cattaraugus County only
2009

Severe Storms and Flooding

1 household applied for aid $708K to the Town of Ashford for repairs
2004

Severe Storms and Flooding

$32K to the Town of Ashford for repairs
2001

Snow

$15K to the Town of Ashford for repairs
2000

Snow

$11K to the Town of Ashford for repairs
2000

Severe Storms and Flooding

$50K to the Town of Ashford for repairs
1999

Snow

$11K to the Town of Ashford for repairs
Cattaraugus County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Ashford

Ashford and the towns around it

Concord: Low, mostly inland floodingEast Otto: High, mostly inland floodingSardinia: Low, mostly inland floodingYorkshire: Moderate, mostly inland floodingEllicottville: High, mostly inland floodingMachias: High, mostly inland floodingColden: High, mostly inland floodingCollins: Low, mostly inland floodingBoston: Moderate, mostly inland floodingNorth Collins: Very low, mostly inland floodingOtto: High, mostly inland floodingMansfield: High, mostly inland floodingHolland: Moderate, mostly inland floodingArcade: Very high, mostly inland floodingFreedom: High, mostly inland floodingGreat Valley: High, mostly inland floodingFranklinville: High, mostly inland floodingFarmersville: High, mostly inland floodingAshford: High, mostly inland flooding AshfordConcordEast OttoSardiniaYorkshireEllicottvilleMachias
Very lowLowModerateHighVery high
Machiasmostly inland floodingHigh
Ellicottvillemostly inland floodingHigh
Ashfordmostly inland floodingHigh
East Ottomostly inland floodingHigh
Yorkshiremostly inland floodingModerate
Sardiniamostly inland floodingLow
Concordmostly inland floodingLow
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. Ashford covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Ashford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ashford. 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 Ashford total about $2.3M 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/15 · 2025-01-01
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