Natural hazards · Caledonia

Caledonia, NY natural hazards

Most of the natural-hazard damage FEMA expects in Caledonia comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Caledonia?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caledonia to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding68%Drought8%Cold waves6%Everything else19%

By hazard

What Caledonia faces

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

Inland flooding

68% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Caledonia flood?

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

1paid claims since 2024

$10Kpaid to owners

0homes flooded more than once

20242026

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Caledonia

2 federal disasters brought FEMA money here

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

Brought FEMA money into CaledoniaDeclared for Livingston County only

2003

Ice Storm

$5K to the Village of Caledonia for repairs

1999

Snow

$3K to the Village of Caledonia for repairs

Livingston County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Caledonia

Caledonia and the towns around it

Very lowLowModerateHighVery high

Wheatlandmostly inland floodingLow

Caledoniamostly 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. Caledonia 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 Caledonia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Caledonia. 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.