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Natural hazards · Coldspring

Coldspring, NY natural hazards

Most of the natural-hazard damage FEMA expects in Coldspring comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Coldspring?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldspring to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding85%Tornadoes6%Everything else10%
By hazard

What Coldspring faces

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

Inland flooding

85% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

6% of expected damage
Below average · higher than 46% of U.S. places
Recorded about once every 30 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Coldspring flood?

FEMA's records show no paid flood insurance claims in Coldspring.

of all homes
are insured
No community discount. Coldspring isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.
Disasters that hit Coldspring

6 federal disasters brought FEMA money here

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

Brought FEMA money into ColdspringDeclared for Cattaraugus County only
2014

Severe Storms and Flooding

$85K to the Town of Coldspring for repairs
2004

Severe Storms and Flooding

$23K to the Town of Coldspring for repairs
2003

Severe Storms, Flooding, and Tornadoes

$17K to the Town of Coldspring for repairs
2001

Snow

$4K to the Town of Coldspring for repairs
2000

Snow

$3K to the Town of Coldspring for repairs
1999

Snow

$3K to the Town of Coldspring for repairs
Cattaraugus County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Coldspring

Coldspring and the towns around it

Red House: Moderate, mostly inland floodingSouth Valley: High, mostly inland floodingRandolph: High, mostly inland floodingNapoli: High, mostly inland floodingSalamanca: High, mostly inland floodingCarrollton: Moderate, mostly inland floodingCarroll: High, mostly inland floodingPoland: High, mostly inland floodingConewango: High, mostly inland floodingNew Albion: Low, mostly inland floodingLittle Valley: High, mostly inland floodingColdspring: Moderate, mostly inland flooding ColdspringRed HouseSouth ValleyRandolphNapoli
Very lowLowModerateHighVery high
Napolimostly inland floodingHigh
South Valleymostly inland floodingHigh
Randolphmostly inland floodingHigh
Coldspringmostly inland floodingModerate
Red Housemostly inland floodingModerate
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. Coldspring 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 Coldspring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Coldspring. 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.

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You’re in Coldspring, NYCattaraugus 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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