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Natural hazards · Cambria

Cambria, NY natural hazards

Most of the natural-hazard damage FEMA expects in Cambria comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 12 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

How exposed is Cambria?

9
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambria to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding75%Cold waves6%Everything else19%
By hazard

What Cambria faces

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

Inland flooding

75% of expected damage
Below average · higher than 31% of U.S. places
Recorded about once a year in the area

Cold waves

6% of expected damage
Below average · higher than 48% 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 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 Cambria flood?

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

12paid claims since 1978
$336Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 2 claims, $60K
  • Not a named storm: 1 claim, $583
  • December Storm - Nor'easter: 1 claim, $16K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Cambria isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Niagara County.
Disasters that hit Cambria

3 federal disasters brought FEMA money here

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

Brought FEMA money into CambriaDeclared for Niagara County only
2022

Severe Winter Storm and Snowstorm

$24K to the Town of Cambria for repairs
2001

Snow

$12K to the Town of Cambria for repairs
1999

Snow

$13K to the Town of Cambria for repairs
Niagara County has had 19 natural disasters declared since 1953, most often winter storms and floods.
Around Cambria

Cambria and the towns around it

Lockport: Moderate, mostly inland floodingLewiston: Very low, mostly inland floodingWilson: Very low, mostly inland floodingWheatfield: High, mostly inland floodingClarence: Low, mostly inland floodingRoyalton: Very low, mostly inland floodingNewfane: Very low, mostly inland floodingPendleton: High, mostly inland floodingHartland: Very low, mostly inland floodingNiagara: Low, mostly inland floodingPorter: Very low, mostly inland floodingNiagara Falls: Low, mostly inland floodingLewiston: Very low, mostly inland floodingWilson: Very low, mostly inland floodingNorth Tonawanda: High, mostly inland floodingAmherst: Low, mostly inland floodingGrand Island: Very low, mostly inland floodingCambria: Very low, mostly inland flooding CambriaLockportLewistonWilsonWheatfield
Very lowLowModerateHighVery high
Wheatfieldmostly inland floodingHigh
Lockportmostly inland floodingModerate
Cambriamostly inland floodingVery low
Lewistonmostly inland floodingVery low
Wilsonmostly 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. Cambria covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cambria’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cambria. 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 Cambria total about $1.0M 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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