Natural hazards · Bemus Point

Bemus Point, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bemus Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bemus Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bemus Point to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Bemus Point faces

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

Inland flooding

89% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Bemus Point flood?

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

1paid claims since 1979

$368paid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Chautauqua County.

Disasters that hit Bemus Point

1 federal disaster brought FEMA money here

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

Brought FEMA money into Bemus PointDeclared for Chautauqua County only

2009

Severe Storms and Flooding

2 households applied for aid $182 aid approved

Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Bemus Point

Bemus Point and the towns around it

Very lowLowModerateHighVery high

Bemus Pointmostly inland floodingHigh

Ellerymostly inland floodingHigh

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