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Natural hazards · Deerfield

Deerfield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Deerfield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 12 claims here since 1980. 10 federal disasters brought FEMA money into town.

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

How exposed is Deerfield?

3
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerfield to be higher than in 3% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves15%Tornadoes8%Strong wind6%Everything else14%
By hazard

What Deerfield faces

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

Inland flooding

57% of expected damage
Well below average · higher than 14% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

8% of expected damage
Below average · higher than 29% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Deerfield flood?

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

12paid claims since 1980
$168Kpaid to owners
1homes flooded more than once
19802026

Biggest named events

  • Not a named storm: 1 claim, $275

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. Deerfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oneida County.
Disasters that hit Deerfield

10 federal disasters brought FEMA money here

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

Brought FEMA money into DeerfieldDeclared for Oneida County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$40K to the Town of Deerfield for repairs
2017

Severe Winter Storm and Snowstorm

$9K to the Town of Deerfield for repairs
2011

Remnants of Tropical Storm Lee

1 household applied for aid $626 aid approved $76K to the Town of Deerfield for repairs
2011

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

$265K to the Town of Deerfield for repairs
2007

Record Snow and Near Record Snow

$11K to the Town of Deerfield for repairs
2006

Severe Storms and Flooding

2 households applied for aid $3K aid approved $20K to the Town of Deerfield for repairs
2004

Snow

$8K to the Town of Deerfield for repairs
2003

Ice Storm

1 household applied for aid $6K to the Town of Deerfield for repairs
2002

Snowstorms

$10K to the Town of Deerfield for repairs
2000

Severe Storms and Flooding

$106K to the Town of Deerfield for repairs
Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.
Around Deerfield

Deerfield and the towns around it

Russia: Moderate, mostly inland floodingUtica: Very low, mostly inland floodingMarcy: Very low, mostly inland floodingTrenton: Low, mostly inland floodingSchuyler: Very low, mostly inland floodingRemsen: Low, mostly inland floodingNewport: Moderate, mostly inland floodingOhio: Moderate, mostly inland floodingPoland: Moderate, mostly inland floodingNorway: Moderate, mostly inland floodingNew Hartford: Low, mostly inland floodingFrankfort: Moderate, mostly inland floodingNew Hartford: Low, mostly inland floodingWhitestown: Low, mostly inland floodingNew York Mills: Very low, mostly inland floodingYorkville: Low, mostly inland floodingFloyd: Very low, mostly inland floodingSteuben: Low, mostly inland floodingFrankfort: High, mostly inland floodingHerkimer: Moderate, mostly inland floodingDeerfield: Very low, mostly inland flooding DeerfieldRussiaUticaMarcyTrentonSchuyler
Very lowLowModerateHighVery high
Russiamostly inland floodingModerate
Trentonmostly inland floodingLow
Uticamostly inland floodingVery low
Schuylermostly inland floodingVery low
Deerfieldmostly inland floodingVery low
Marcymostly 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. Deerfield covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Deerfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Deerfield. 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 Deerfield total about $590K 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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