Natural hazards · Carlton

Carlton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Carlton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carlton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carlton to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding75%Strong wind5%Everything else20%

By hazard

What Carlton 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

Above average · higher than 54% of U.S. places

Recorded about once every 2 years in the area

Strong wind

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Carlton flood?

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

11paid claims since 1980

$75Kpaid to owners

2homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Orleans County.

Disasters that hit Carlton

5 federal disasters brought FEMA money here

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

Brought FEMA money into CarltonDeclared for Orleans County only

2017

Flooding

$46K to the Town of Carlton for repairs

2017

Severe Winter Storm and Snowstorm

$14K to the Town of Carlton for repairs

2006

Severe Storms and Flooding

$10K to the Town of Carlton for repairs

2003

Ice Storm

$26K to the Town of Carlton for repairs

1999

Snow

$31K to the Town of Carlton for repairs

Orleans County has had 17 natural disasters declared since 1953, most often winter storms and severe storms.

Around Carlton

Carlton and the towns around it

Very lowLowModerateHighVery high

Carltonmostly inland floodingLow

Kendallmostly inland floodingLow

Yatesmostly inland floodingLow

Gainesmostly 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. Carlton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Carlton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Carlton. 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 Carlton total about $973K 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.