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Natural hazards · Concord

Concord, NY natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1989. 6 federal disasters brought FEMA money into town.

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

How exposed is Concord?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 23% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves12%Tornadoes8%Everything else4%
By hazard

What Concord faces

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

Inland flooding

76% of expected damage
Above average · higher than 54% of U.S. places
Recorded about 4 times a year in the area

Cold waves

12% 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 40% of U.S. places

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 Concord flood?

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

6paid claims since 1989
$56Kpaid to owners
1homes flooded more than once
19892026

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. Concord 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 Concord

6 federal disasters brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Erie County only
2014

Severe Winter Storm, Snowstorm, and Flooding

$40K to the Town of Concord for repairs
2009

Severe Storms and Flooding

$306K to the Town of Concord for repairs
2001

Severe Winter Storm

$35K to the Town of Concord for repairs
2000

Snow

$15K to the Town of Concord for repairs
2000

Severe Storms and Flooding

$91K to the Town of Concord for repairs
1999

Snow

$17K to the Town of Concord for repairs
Erie County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Concord

Concord and the towns around it

Ashford: High, mostly inland floodingEast Otto: High, mostly inland floodingColden: High, mostly inland floodingCollins: Low, mostly inland floodingSardinia: Low, mostly inland floodingBoston: Moderate, mostly inland floodingNorth Collins: Very low, mostly inland floodingYorkshire: Moderate, mostly inland floodingEllicottville: High, mostly inland floodingMachias: High, mostly inland floodingOtto: High, mostly inland floodingMansfield: High, mostly inland floodingAurora: Low, mostly inland floodingHolland: Moderate, mostly inland floodingPersia: High, mostly inland floodingPerrysburg: High, mostly inland floodingGowanda: High, mostly inland floodingArcade: Very high, mostly inland floodingOrchard Park: Low, mostly inland floodingEden: Very low, mostly inland floodingHamburg: Low, mostly inland floodingBrant: Very low, mostly inland floodingNorth Collins: Very low, mostly inland floodingConcord: Low, mostly inland flooding ConcordAshfordEast OttoColdenCollinsSardiniaBostonNorth Collins
Very lowLowModerateHighVery high
Ashfordmostly inland floodingHigh
East Ottomostly inland floodingHigh
Coldenmostly inland floodingHigh
Bostonmostly inland floodingModerate
Collinsmostly inland floodingLow
Sardiniamostly 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. Concord covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Concord’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Concord. 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 Concord total about $2.3M 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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