Natural hazards · Ephratah

Ephratah, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ephratah comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ephratah?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ephratah to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves7%Everything else13%

By hazard

What Ephratah faces

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

Inland flooding

80% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Ephratah flood?

FEMA's records show no paid flood insurance claims in Ephratah.

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Ephratah

3 federal disasters brought FEMA money here

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

Brought FEMA money into EphratahDeclared for Fulton County only

2017

Severe Winter Storm and Snowstorm

$13K to the Town of Ephratah for repairs

2006

Severe Storms and Flooding

$392K to the Town of Ephratah for repairs

2002

Snowstorms

$6K to the Town of Ephratah for repairs

Fulton County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Ephratah

Ephratah and the towns around it

Very lowLowModerateHighVery high

Ephratahmostly inland floodingHigh

Stratfordmostly inland floodingHigh

Oppenheimmostly inland floodingHigh

Carogamostly inland floodingModerate

Palatinemostly inland floodingModerate

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