Natural hazards · Cobleskill

Cobleskill, NY natural hazards

Most of the natural-hazard damage FEMA expects in Cobleskill comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 22 claims here since 1987. 9 federal disasters brought FEMA money into town.

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

How exposed is Cobleskill?

7
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cobleskill to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes10%Cold waves6%Everything else15%
By hazard

What Cobleskill faces

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

Inland flooding

69% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

10% of expected damage
Below average · higher than 40% of U.S. places

Cold waves

6% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Cobleskill flood?

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

22paid claims since 1987
$175Kpaid to owners
1homes flooded more than once
19872026

Biggest named events

  • Hurricane Irene: 12 claims, $123K
  • Tropical Storm Lee: 7 claims, $40K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Cobleskill 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Cobleskill

9 federal disasters brought FEMA money here

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

Brought FEMA money into CobleskillDeclared for Schoharie County only
2011

Remnants of Tropical Storm Lee

30 households applied for aid $37K aid approved
2011

Hurricane Irene

82 households applied for aid $82K aid approved $180K to the Village of Cobleskill for repairs
2008

Severe Winter Storm

$29K to the Village of Cobleskill for repairs
2007

Severe Storms and Inland and Coastal Flooding

$5K to the Village of Cobleskill for repairs
2006

Severe Storms and Flooding

10 households applied for aid $19K aid approved $2K to the Village of Cobleskill for repairs
2004

Tropical Depression Ivan

$1K to the Village of Cobleskill for repairs
2003

Snow

$4K to the Village of Cobleskill for repairs
2002

Snowstorms

$12K to the Village of Cobleskill for repairs
2000

Severe Storms and Flooding

$23K to the Village of Cobleskill for repairs
Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
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. Cobleskill covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cobleskill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cobleskill. 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 Cobleskill total about $210K 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01