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Natural hazards · Avoca

Avoca, NY natural hazards

Most of the natural-hazard damage FEMA expects in Avoca comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1987. 4 federal disasters brought FEMA money into town.

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

How exposed is Avoca?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Avoca to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding82%Everything else18%
By hazard

What Avoca faces

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

Inland flooding

82% of expected damage
Above average · higher than 73% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Avoca flood?

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

9paid claims since 1987
$82Kpaid to owners
0homes flooded more than once
19872026
of all homes
are insured
No community discount. Avoca 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 Avoca

4 federal disasters brought FEMA money here

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

Brought FEMA money into AvocaDeclared for Steuben County only
2014

Severe Storms and Flooding

$15K to the Town of Avoca for repairs
2011

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

$187K to the Town of Avoca for repairs
2004

Severe Storms and Flooding

$16K to the Town of Avoca for repairs
2000

Severe Storms and Flooding

$52K to the Town of Avoca for repairs
Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Avoca

Avoca and the towns around it

Cohocton: Moderate, mostly inland floodingWheeler: Low, mostly inland floodingBath: Low, mostly inland floodingHoward: Moderate, mostly inland floodingPrattsburgh: Low, mostly inland floodingWayland: Low, mostly inland floodingNaples: High, mostly inland floodingUrbana: High, mostly inland floodingBradford: Moderate, mostly inland floodingCameron: Moderate, mostly inland floodingFremont: Moderate, mostly inland floodingCanisteo: High, mostly inland floodingHornellsville: High, mostly inland floodingAvoca: Moderate, mostly inland flooding AvocaCohoctonWheelerBathHoward
Very lowLowModerateHighVery high
Cohoctonmostly inland floodingModerate
Avocamostly inland floodingModerate
Howardmostly inland floodingModerate
Bathmostly inland floodingLow
Wheelermostly 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. Avoca 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 Avoca’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Avoca. 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.

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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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