Natural hazards · Bainbridge

Bainbridge, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bainbridge comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 35 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bainbridge?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bainbridge to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding86%Cold waves5%Everything else10%

By hazard

What Bainbridge 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 90% of U.S. places

Recorded about 2 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Bainbridge flood?

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

35paid claims since 1978

$686Kpaid to owners

7homes flooded more than once

19782026

Biggest named events

Tropical Storm Lee: 17 claims, $357K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chenango County.

Disasters that hit Bainbridge

7 federal disasters brought FEMA money here

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

Brought FEMA money into BainbridgeDeclared for Chenango County only

2017

Severe Winter Storm and Snowstorm

$12K to the Town of Bainbridge for repairs

2011

Remnants of Tropical Storm Lee

$132K to the Town of Bainbridge for repairs

2006

Severe Storms and Flooding

$629K to the Town of Bainbridge for repairs

2005

Severe Storms and Flooding

$4K to the Town of Bainbridge for repairs

2004

Tropical Depression Ivan

$44K to the Town of Bainbridge for repairs

2003

Snow

$4K to the Town of Bainbridge for repairs

2002

Snowstorms

$10K to the Town of Bainbridge for repairs

Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Bainbridge

Bainbridge and the towns around it

Very lowLowModerateHighVery high

Aftonmostly inland floodingVery high

Coventrymostly inland floodingVery high

Guilfordmostly inland floodingHigh

Bainbridgemostly inland floodingHigh

Unadillamostly inland floodingHigh

Masonvillemostly inland floodingHigh

Sidneymostly inland floodingHigh

Sidneymostly inland floodingModerate

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