Natural hazards · Baldwin

Baldwin, NY natural hazards

Most of the natural-hazard damage FEMA expects in Baldwin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Baldwin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baldwin to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding85%Tornadoes6%Everything else9%

By hazard

What Baldwin faces

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

Inland flooding

85% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 38 years in the area

Lower here

HurricanesHailIce 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 Baldwin flood?

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

24paid claims since 1980

$923Kpaid to owners

2homes flooded more than once

19802026

Biggest named events

Hurricane Sandy: 9 claims, $764K
Hurricane Irene: 5 claims, $131K
Hurricane Gloria: 2 claims, $2K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Chemung County.

Disasters that hit Baldwin

3 federal disasters brought FEMA money here

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

Brought FEMA money into BaldwinDeclared for Chemung County only

2011

Remnants of Tropical Storm Lee

$21K to the Town of Baldwin for repairs

2011

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

$8K to the Town of Baldwin for repairs

2003

Severe Storms, Flooding, and Tornadoes

$7K to the Town of Baldwin for repairs

Chemung County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Baldwin

Baldwin and the towns around it

Very lowLowModerateHighVery high

Van Ettenmostly inland floodingHigh

Erinmostly inland floodingHigh

Bartonmostly inland floodingHigh

Elmiramostly inland floodingHigh

Baldwinmostly inland floodingModerate

Chemungmostly 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. Baldwin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Baldwin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Baldwin. 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 Baldwin total about $1.3M 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.