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Natural hazards · Carroll

Carroll, NY natural hazards

Most of the natural-hazard damage FEMA expects in Carroll comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1981. 6 federal disasters brought FEMA money into town.

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

How exposed is Carroll?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carroll to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding82%Tornadoes6%Everything else11%
By hazard

What Carroll faces

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

Inland flooding

82% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

6% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once every 83 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Carroll flood?

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

3paid claims since 1981
$6Kpaid to owners
0homes flooded more than once
19812026
of all homes
are insured
No community discount. Carroll isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chautauqua County.
Disasters that hit Carroll

6 federal disasters brought FEMA money here

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

Brought FEMA money into CarrollDeclared for Chautauqua County only
2014

Severe Storms and Flooding

$26K to the Town of Carroll for repairs
2009

Severe Storms and Flooding

$40K to the Town of Carroll for repairs
2004

Severe Storms and Flooding

$23K to the Town of Carroll for repairs
2001

Snow

$11K to the Town of Carroll for repairs
2000

Snow

$9K to the Town of Carroll for repairs
1999

Snow

$4K to the Town of Carroll for repairs
Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.
Around Carroll

Carroll and the towns around it

Kiantone: High, mostly inland floodingPoland: High, mostly inland floodingSouth Valley: High, mostly inland floodingBusti: Low, mostly inland floodingJamestown: High, mostly inland floodingRandolph: High, mostly inland floodingEllicott: High, mostly inland floodingEllington: High, mostly inland floodingGerry: Moderate, mostly inland floodingConewango: High, mostly inland floodingColdspring: Moderate, mostly inland floodingCarroll: High, mostly inland flooding CarrollKiantonePolandSouth Valley
Very lowLowModerateHighVery high
Polandmostly inland floodingHigh
Carrollmostly inland floodingHigh
Kiantonemostly inland floodingHigh
South Valleymostly inland floodingHigh
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. Carroll covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Carroll’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Carroll. 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 Carroll total about $1.6M 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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You’re in Carroll, NYChautauqua CountyView boundary

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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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