Natural hazards · Cohocton

Cohocton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Cohocton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2008. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cohocton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cohocton to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding79%Drought6%Everything else15%

By hazard

What Cohocton faces

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

Inland flooding

79% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Drought

6% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Cohocton flood?

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

1paid claims since 2008

$562paid to owners

0homes flooded more than once

20082026

of all homes
are insured

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

Insurance rates: Steuben County.

Disasters that hit Cohocton

4 federal disasters brought FEMA money here

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

Brought FEMA money into CohoctonDeclared for Steuben County only

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$132K to the Town of Cohocton for repairs

2004

Severe Storms and Flooding

$142K to the Town of Cohocton for repairs

2003

Severe Storms, Flooding, and Tornadoes

$167K to the Town of Cohocton for repairs

2000

Severe Storms and Flooding

$97K to the Town of Cohocton for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Cohocton

Cohocton and the towns around it

Very lowLowModerateHighVery high

Naplesmostly inland floodingHigh

Cohoctonmostly inland floodingModerate

Avocamostly inland floodingModerate

Howardmostly inland floodingModerate

Waylandmostly inland floodingLow

Prattsburghmostly 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. Cohocton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cohocton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cohocton. 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 Cohocton total about $908K 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.