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Natural hazards · Carlisle

Carlisle, NY natural hazards

Most of the natural-hazard damage FEMA expects in Carlisle comes from inland flooding, and overall the risk is low for a U.S. community. 12 federal disasters brought FEMA money into town.

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

How exposed is Carlisle?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carlisle to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes7%Everything else17%
By hazard

What Carlisle 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 58% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

7% of expected damage
Below average · higher than 40% of U.S. places
Recorded about once every 37 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Carlisle flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Carlisle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Schoharie County.
Disasters that hit Carlisle

12 federal disasters brought FEMA money here

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

Brought FEMA money into CarlisleDeclared for Schoharie County only
2017

Severe Winter Storm and Snowstorm

$20K to the Town of Carlisle for repairs
2011

Remnants of Tropical Storm Lee

$44K to the Town of Carlisle for repairs
2011

Hurricane Irene

2 households applied for aid $6K aid approved $23K to the Town of Carlisle for repairs
2010

Severe Storms and Flooding

$29K to the Town of Carlisle for repairs
2008

Severe Winter Storm

$82K to the Town of Carlisle for repairs
2007

Severe Storms and Inland and Coastal Flooding

$41K to the Town of Carlisle for repairs
2006

Severe Storms and Flooding

$38K to the Town of Carlisle for repairs
2005

Severe Storms and Flooding

$18K to the Town of Carlisle for repairs
2004

Tropical Depression Ivan

$4K to the Town of Carlisle for repairs
2004

Severe Storms and Flooding

$12K to the Town of Carlisle for repairs
2003

Snow

$5K to the Town of Carlisle for repairs
2002

Snowstorms

$11K to the Town of Carlisle for repairs
Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Carlisle

Carlisle and the towns around it

Cobleskill: Low, mostly inland floodingCharleston: Low, mostly inland floodingRoot: Moderate, mostly inland floodingEsperance: High, mostly inland floodingSharon: Low, mostly inland floodingSchoharie: High, mostly inland floodingRichmondville: High, mostly inland floodingSeward: Low, mostly inland floodingMiddleburgh: High, mostly inland floodingFlorida: Low, mostly inland floodingDuanesburg: Very low, mostly inland floodingGlen: Moderate, mostly inland floodingMohawk: High, mostly inland floodingCanajoharie: High, mostly inland floodingPalatine: Moderate, mostly inland floodingEsperance: High, mostly inland floodingCherry Valley: Moderate, mostly inland floodingRoseboom: High, mostly inland floodingCarlisle: Low, mostly inland flooding CarlisleCobleskillCharlestonRootEsperanceSharon
Very lowLowModerateHighVery high
Esperancemostly inland floodingHigh
Rootmostly inland floodingModerate
Cobleskillmostly inland floodingLow
Charlestonmostly inland floodingLow
Carlislemostly inland floodingLow
Sharonmostly 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. Carlisle 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 Carlisle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Carlisle. 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.

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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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