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Natural hazards · Binghamton

Binghamton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Binghamton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 281 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Binghamton?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Binghamton to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding76%Tornadoes9%Everything else15%
By hazard

What Binghamton faces

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

Inland flooding

76% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

9% of expected damage
Below average · higher than 38% of U.S. places

Lower here

HurricanesHailIce 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 Binghamton flood?

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

281paid claims since 1978
$17.2Mpaid to owners
47homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Lee: 156 claims, $11.7M
  • Torrential rain: 12 claims, $233K
  • Hurricane Irene: 2 claims, $115K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Binghamton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Broome County.

What’s been done with FEMA grants

128flood-prone properties bought out and cleared
3homes raised above flood level
Disasters that hit Binghamton

10 federal disasters brought FEMA money here

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

Brought FEMA money into BinghamtonDeclared for Broome County only
2018

Severe Storms and Flooding

$797K to the City of Binghamton for repairs
2017

Severe Winter Storm and Snowstorm

$96K to the City of Binghamton for repairs
2011

Remnants of Tropical Storm Lee

3,250 households applied for aid $8.7M aid approved $1.8M to the City of Binghamton for repairs
2011

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

$76K to the City of Binghamton for repairs
2006

Severe Storms and Flooding

1,542 households applied for aid $4.2M aid approved $1.8M to the City of Binghamton for repairs
2005

Severe Storms and Flooding

81 households applied for aid $125K aid approved $5K to the City of Binghamton for repairs
2004

Tropical Depression Ivan

58 households applied for aid $56K aid approved $47K to the City of Binghamton for repairs
2004

Severe Storms and Flooding

2 households applied for aid $4K aid approved
2003

Snow

$41K to the City of Binghamton for repairs
2002

Snowstorms

$114K to the City of Binghamton for repairs
Broome County has had 23 natural disasters declared since 1953, most often floods and severe storms.
Around Binghamton

Binghamton and the towns around it

Dickinson: Very low, mostly inland floodingBinghamton: Low, mostly inland floodingJohnson City: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingPort Dickinson: Very low, mostly inland floodingConklin: High, mostly inland floodingKirkwood: Moderate, mostly inland floodingVestal: Moderate, mostly inland floodingChenango: Moderate, mostly inland floodingFenton: Moderate, mostly inland floodingMaine: High, mostly inland floodingOwego: High, mostly inland floodingEndicott: Moderate, mostly inland floodingLiberty: Low, mostly inland floodingWindsor: High, mostly inland floodingColesville: High, mostly inland floodingBinghamton: Moderate, mostly inland flooding BinghamtonDickinsonBinghamtonJohnson CityUnionPort DickinsonConklinKirkwoodVestal
Very lowLowModerateHighVery high
Conklinmostly inland floodingHigh
Johnson Citymostly inland floodingModerate
Unionmostly inland floodingModerate
Kirkwoodmostly inland floodingModerate
Binghamtonmostly inland floodingModerate
Vestalmostly inland floodingModerate
Binghamtonmostly inland floodingLow
Dickinsonmostly inland floodingVery low
Port Dickinsonmostly inland floodingVery low
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. Binghamton covers 17 census tracts, combined by population.
Money that reached townFlood claims are matched to Binghamton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Binghamton. 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 Binghamton total about $11.1M 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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