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Natural hazards · Bovina

Bovina, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bovina comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1984. 11 federal disasters brought FEMA money into town.

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

How exposed is Bovina?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bovina to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%
By hazard

What Bovina faces

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

Inland flooding

84% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Bovina flood?

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

6paid claims since 1984
$358Kpaid to owners
0homes flooded more than once
19842026

Biggest named events

  • The “Halloween” storm: 1 claim, $18K
  • December Storm - Nor'easter: 1 claim, $24K
  • Hurricane Sandy: 1 claim, $206K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Bovina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.
Disasters that hit Bovina

11 federal disasters brought FEMA money here

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

Brought FEMA money into BovinaDeclared for Delaware County only
2017

Severe Winter Storm and Snowstorm

$9K to the Town of Bovina for repairs
2011

Remnants of Tropical Storm Lee

$284K to the Town of Bovina for repairs
2011

Hurricane Irene

$30K to the Town of Bovina for repairs
2011

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

$19K to the Town of Bovina for repairs
2008

Severe Winter Storm

$40K to the Town of Bovina for repairs
2006

Severe Storms and Flooding

$177K to the Town of Bovina for repairs
2005

Severe Storms and Flooding

$29K to the Town of Bovina for repairs
2004

Tropical Depression Ivan

$22K to the Town of Bovina for repairs
2003

Severe Storms, Flooding, and Tornadoes

$5K to the Town of Bovina for repairs
2003

Snow

$4K to the Town of Bovina for repairs
2002

Snowstorms

$10K to the Town of Bovina for repairs
Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.
Around Bovina

Bovina and the towns around it

Stamford: High, mostly inland floodingAndes: High, mostly inland floodingDelhi: High, mostly inland floodingMiddletown: High, mostly inland floodingRoxbury: High, mostly inland floodingKortright: High, mostly inland floodingHarpersfield: Moderate, mostly inland floodingStamford: High, mostly inland floodingColchester: Very high, mostly inland floodingHamden: High, mostly inland floodingHardenburgh: High, mostly inland floodingMeredith: High, mostly inland floodingShandaken: Very high, mostly inland floodingHalcott: High, mostly inland floodingPrattsville: Very high, mostly inland floodingBovina: High, mostly inland flooding BovinaStamfordAndesDelhiMiddletownRoxbury
Very lowLowModerateHighVery high
Middletownmostly inland floodingHigh
Roxburymostly inland floodingHigh
Delhimostly inland floodingHigh
Bovinamostly inland floodingHigh
Stamfordmostly inland floodingHigh
Andesmostly 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. Bovina covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Bovina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bovina. 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 Bovina total about $2.2M 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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