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Natural hazards · Collins

Collins, NY natural hazards

Most of the natural-hazard damage FEMA expects in Collins comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

How exposed is Collins?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Collins to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves11%Tornadoes8%Everything else4%
By hazard

What Collins faces

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

Inland flooding

77% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 4 times a year in the area

Cold waves

11% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

8% of expected damage
Below average · higher than 42% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Collins flood?

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

4paid claims since 1981
$75Kpaid to owners
0homes flooded more than once
19812026

Biggest named events

  • Late summer storms: 3 claims, $73K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Collins isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Erie County.
Disasters that hit Collins

4 federal disasters brought FEMA money here

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

Brought FEMA money into CollinsDeclared for Erie County only
2009

Severe Storms and Flooding

15 households applied for aid $38K aid approved $62K to the Town of Collins for repairs
2001

Severe Winter Storm

$18K to the Town of Collins for repairs
2000

Snow

$8K to the Town of Collins for repairs
1999

Snow

$7K to the Town of Collins for repairs
Erie County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Collins

Collins and the towns around it

Otto: High, mostly inland floodingPersia: High, mostly inland floodingPerrysburg: High, mostly inland floodingEast Otto: High, mostly inland floodingGowanda: High, mostly inland floodingNorth Collins: Very low, mostly inland floodingConcord: Low, mostly inland floodingMansfield: High, mostly inland floodingDayton: Low, mostly inland floodingNew Albion: Low, mostly inland floodingHanover: Moderate, mostly inland floodingAshford: High, mostly inland floodingEllicottville: High, mostly inland floodingBrant: Very low, mostly inland floodingEden: Very low, mostly inland floodingNorth Collins: Very low, mostly inland floodingBoston: Moderate, mostly inland floodingColden: High, mostly inland floodingSardinia: Low, mostly inland floodingCollins: Low, mostly inland flooding CollinsOttoPersiaPerrysburgEast OttoGowandaNorth CollinsConcord
Very lowLowModerateHighVery high
Persiamostly inland floodingHigh
Perrysburgmostly inland floodingHigh
Ottomostly inland floodingHigh
East Ottomostly inland floodingHigh
Gowandamostly inland floodingHigh
Collinsmostly inland floodingLow
Concordmostly inland floodingLow
North Collinsmostly inland floodingVery low
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. Collins covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Collins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Collins. 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 Collins total about $1.7M 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/15 · 2025-01-01
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