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 very low for a U.S. community. Flood insurance has paid 2 claims here since 1994. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bath?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bath to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes10%Cold waves7%Everything else13%

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

70% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

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

Cold waves

7% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce 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 Bath flood?

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

2paid claims since 1994

$977paid to owners

0homes flooded more than once

19942026

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

2 federal disasters brought FEMA money here

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

Brought FEMA money into BathDeclared for Steuben County only

2004

Severe Storms and Flooding

8 households applied for aid $22K aid approved

2003

Severe Storms, Flooding, and Tornadoes

13 households applied for aid $3K aid approved

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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