Natural hazards · Bombay

Bombay, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bombay comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1981. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bombay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bombay to be higher than in 45% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding69%Earthquakes15%Everything else16%

By hazard

What Bombay faces

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

Inland flooding

69% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Earthquakes

15% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Bombay flood?

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

4paid claims since 1981

$24Kpaid to owners

0homes flooded more than once

19812026

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Bombay

3 federal disasters brought FEMA money here

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

Brought FEMA money into BombayDeclared for Franklin County only

2024

Remnants of Tropical Storm Debby

$1.3M to the Town of Bombay for repairs

2017

Severe Winter Storm and Snowstorm

$18K to the Town of Bombay for repairs

2013

Severe Storms and Flooding

$26K to the Town of Bombay for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bombay

Bombay and the towns around it

Very lowLowModerateHighVery high

Brashermostly inland floodingModerate

Bombaymostly inland floodingModerate

Fort Covingtonmostly inland floodingModerate

Moiramostly 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. Bombay 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 Bombay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bombay. 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.