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Natural hazards · Bath

Bath, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bath comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 24 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Bath?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bath to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding83%Tornadoes5%Everything else12%
By hazard

What Bath faces

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

Inland flooding

83% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

5% of expected damage
Below average · higher than 34% of U.S. places

Lower here

HurricanesHailIce 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 Bath flood?

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

24paid claims since 1978
$119Kpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • Hurricane Debby: 2 claims, $24K
  • Not a named storm: 1 claim, $1K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Bath 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 Bath

5 federal disasters brought FEMA money here

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

Brought FEMA money into BathDeclared for Steuben County only
2024

Remnants of Tropical Storm Debby

$324K to the Town of Bath for repairs
2011

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

$114K to the Town of Bath for repairs
2004

Severe Storms and Flooding

$88K to the Town of Bath for repairs
2003

Severe Storms, Flooding, and Tornadoes

$260K to the Town of Bath for repairs
2000

Severe Storms and Flooding

$39K to the Town of Bath for repairs
Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Bath

Bath and the towns around it

Urbana: High, mostly inland floodingAvoca: Moderate, mostly inland floodingWheeler: Low, mostly inland floodingBradford: Moderate, mostly inland floodingHoward: Moderate, mostly inland floodingCameron: Moderate, mostly inland floodingWayne: Moderate, mostly inland floodingPulteney: Moderate, mostly inland floodingPrattsburgh: Low, mostly inland floodingCohocton: Moderate, mostly inland floodingOrange: Moderate, mostly inland floodingCampbell: Very high, mostly inland floodingFremont: Moderate, mostly inland floodingCanisteo: High, mostly inland floodingHornellsville: High, mostly inland floodingThurston: Moderate, mostly inland floodingRathbone: Moderate, mostly inland floodingJasper: High, mostly inland floodingWoodhull: High, mostly inland floodingBath: Low, mostly inland flooding BathUrbanaAvocaWheelerBradfordHowardCameron
Very lowLowModerateHighVery high
Urbanamostly inland floodingHigh
Cameronmostly inland floodingModerate
Bradfordmostly 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. Bath covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Bath’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bath. 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 Bath total about $3.5M 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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