Natural hazards · Bridgewater

Bridgewater, NY natural hazards

Most of the natural-hazard damage FEMA expects in Bridgewater comes from inland flooding, and overall the risk is moderate for a U.S. community. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bridgewater?

Moderate

vs. U.S. communities

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

Inland flooding77%Cold waves8%Everything else15%

By hazard

What Bridgewater faces

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

Inland flooding

77% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Bridgewater flood?

FEMA's records show no paid flood insurance claims in Bridgewater.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oneida County.

Disasters that hit Bridgewater

10 federal disasters brought FEMA money here

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

Brought FEMA money into BridgewaterDeclared for Oneida County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$84K to the Town of Bridgewater for repairs

2017

Severe Winter Storm and Snowstorm

$9K to the Town of Bridgewater for repairs

2011

Remnants of Tropical Storm Lee

5 households applied for aid $11K aid approved $2K to the Town of Bridgewater for repairs

2007

Record Snow and Near Record Snow

$6K to the Town of Bridgewater for repairs

2006

Severe Storms and Flooding

11 households applied for aid $15K aid approved $19K to the Town of Bridgewater for repairs

2004

Severe Storms and Flooding

6 households applied for aid $20K aid approved

2004

Snow

$13K to the Town of Bridgewater for repairs

2003

Ice Storm

2 households applied for aid $5K aid approved $17K to the Town of Bridgewater for repairs

2002

Snowstorms

$15K to the Town of Bridgewater for repairs

2000

Severe Storms and Flooding

$67K to the Town of Bridgewater for repairs

Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.

Around Bridgewater

Bridgewater and the towns around it

Very lowLowModerateHighVery high

Plainfieldmostly inland floodingHigh

Brookfieldmostly inland floodingHigh

Bridgewatermostly inland floodingModerate

Winfieldmostly inland floodingModerate

Sangerfieldmostly inland floodingLow

Parismostly 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. Bridgewater covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bridgewater’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bridgewater. 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 Bridgewater total about $433K 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.