Natural hazards · Catharine

Catharine, NY natural hazards

Most of the natural-hazard damage FEMA expects in Catharine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1996.

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

Expected damage

How exposed is Catharine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Catharine to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%

By hazard

What Catharine 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 81% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Catharine flood?

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

6paid claims since 1996

$317Kpaid to owners

0homes flooded more than once

19962026

of all homes
are insured

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

Insurance rates: Schuyler County.

Disasters that hit Catharine

Federal disasters declared here

None of the disasters declared for Schuyler County shows FEMA aid or repair money reaching Catharine itself in FEMA’s records.

Brought FEMA money into CatharineDeclared for Schuyler County only

Schuyler County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Catharine

Catharine and the towns around it

Very lowLowModerateHighVery high

Newfieldmostly inland floodingHigh

Catharinemostly inland floodingModerate

Montourmostly inland floodingModerate

Cayutamostly inland floodingModerate

Veteranmostly inland floodingModerate

Hectormostly 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. Catharine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Catharine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Catharine. 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 Catharine total about $1.9M 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.