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 high for a U.S. community. Flood insurance has paid 104 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

How exposed is Deposit?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deposit to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%
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

91% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 3 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.

104paid claims since 1978
$2.9Mpaid to owners
17homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Lee: 19 claims, $101K
  • Torrential rain: 7 claims, $42K
  • Late summer storms: 1 claim, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Broome County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared
Disasters that hit Deposit

8 federal disasters brought FEMA money here

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

Brought FEMA money into DepositDeclared for Broome County only
2017

Severe Winter Storm and Snowstorm

$109K to the Village of Deposit for repairs
2013

Severe Storms and Flooding

$5K to the Village of Deposit for repairs
2011

Remnants of Tropical Storm Lee

39 households applied for aid $50K aid approved $28K to the Village of Deposit for repairs
2011

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

$37K to the Village of Deposit for repairs
2006

Severe Storms and Flooding

315 households applied for aid $981K aid approved $3.9M to the Village of Deposit for repairs
2005

Severe Storms and Flooding

48 households applied for aid $98K aid approved $22K to the Village of Deposit for repairs
2004

Tropical Depression Ivan

19 households applied for aid $18K aid approved $18K to the Village of Deposit for repairs
2004

Severe Storms and Flooding

2 households applied for aid $4K aid approved
Broome County has had 23 natural disasters declared since 1953, most often floods and severe storms.
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 Village 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01