Natural hazards · Caroga

Caroga, NY natural hazards

Most of the natural-hazard damage FEMA expects in Caroga comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2006. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Caroga?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caroga to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding81%Cold waves7%Everything else12%

By hazard

What Caroga faces

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

Inland flooding

81% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Caroga flood?

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

1paid claims since 2006

$4Kpaid to owners

0homes flooded more than once

20062026

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Caroga

5 federal disasters brought FEMA money here

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

Brought FEMA money into CarogaDeclared for Fulton County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$87K to the Town of Caroga for repairs

2017

Severe Winter Storm and Snowstorm

$12K to the Town of Caroga for repairs

2011

Hurricane Irene

$15K to the Town of Caroga for repairs

2006

Severe Storms and Flooding

$19K to the Town of Caroga for repairs

2002

Snowstorms

$5K to the Town of Caroga for repairs

Fulton County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Caroga

Caroga and the towns around it

Very lowLowModerateHighVery high

Stratfordmostly inland floodingHigh

Ephratahmostly inland floodingHigh

Carogamostly inland floodingModerate

Bleeckermostly inland floodingModerate

Ariettamostly inland floodingModerate

Johnstownmostly 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. Caroga 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 Caroga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Caroga. 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.