Natural hazards · Deposit

Deposit, NY natural hazards

Most of the natural-hazard damage FEMA expects in Deposit comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 23 claims here since 1979. 14 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Deposit?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deposit to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Deposit faces

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

Inland flooding

88% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Deposit flood?

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

23paid claims since 1979

$371Kpaid to owners

3homes flooded more than once

19792026

Biggest named events

Tropical Storm Lee: 6 claims, $49K
Torrential rain: 3 claims, $18K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Deposit

14 federal disasters brought FEMA money here

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

Brought FEMA money into DepositDeclared for Delaware County only

2017

Severe Winter Storm and Snowstorm

$14K to the Town of Deposit for repairs

2014

Severe Storms and Flooding

$56K to the Town of Deposit for repairs

2013

Severe Storms and Flooding

$48K to the Town of Deposit for repairs

2011

Remnants of Tropical Storm Lee

25 households applied for aid $36K aid approved $210K to the Town of Deposit for repairs

2011

Hurricane Irene

7 households applied for aid $6K aid approved $6K to the Town of Deposit for repairs

2011

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

$53K to the Town of Deposit for repairs

2008

Severe Winter Storm

$51K to the Town of Deposit for repairs

2006

Severe Storms and Flooding

133 households applied for aid $387K aid approved $1.2M to the Town of Deposit for repairs

2005

Severe Storms and Flooding

23 households applied for aid $68K aid approved $449K to the Town of Deposit for repairs

2004

Tropical Depression Ivan

6 households applied for aid $2K aid approved $300K to the Town of Deposit for repairs

2004

Severe Storms and Flooding

$65K to the Town of Deposit for repairs

2003

Severe Storms, Flooding, and Tornadoes

$7K to the Town of Deposit for repairs

2003

Snow

$6K to the Town of Deposit for repairs

2002

Snowstorms

$13K to the Town of Deposit for repairs

Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.

Around Deposit

Deposit and the towns around it

Very lowLowModerateHighVery high

Depositmostly inland floodingVery high

Tompkinsmostly inland floodingVery high

Sanfordmostly inland floodingHigh

Masonvillemostly inland floodingHigh

Scottmostly 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. Deposit 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 Deposit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Deposit. 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.