Natural hazards · Bradford

Bradford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bradford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bradford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bradford to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Bradford faces

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

Inland flooding

86% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Bradford flood?

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

4paid claims since 1978

$17Kpaid to owners

0homes flooded more than once

19782026

of all homes
are insured

No community discount. Bradford 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 Bradford

2 federal disasters brought FEMA money here

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

Brought FEMA money into BradfordDeclared for Steuben County only

2011

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

$42K to the Town of Bradford for repairs

2003

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved

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

Around Bradford

Bradford and the towns around it

Very lowLowModerateHighVery high

Campbellmostly inland floodingVery high

Urbanamostly inland floodingHigh

Orangemostly inland floodingModerate

Bradfordmostly inland floodingModerate

Waynemostly inland floodingModerate

Bathmostly 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. Bradford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bradford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Bradford. 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 Bradford total about $832K 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.