Natural hazards · Erwin

Erwin, NY natural hazards

Most of the natural-hazard damage FEMA expects in Erwin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Erwin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Erwin to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Erwin 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 84% 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 Erwin flood?

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

30paid claims since 1978

$154Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Not a named storm: 3 claims, $9K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Steuben County.

Disasters that hit Erwin

4 federal disasters brought FEMA money here

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

Brought FEMA money into ErwinDeclared for Steuben County only

2021

Remnants of Tropical Storm Fred

$69K to the Town of Erwin for repairs

2011

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

$11K to the Town of Erwin for repairs

2004

Severe Storms and Flooding

$76K to the Town of Erwin for repairs

2003

Severe Storms, Flooding, and Tornadoes

$94K to the Town of Erwin for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Erwin

Erwin and the towns around it

Very lowLowModerateHighVery high

Campbellmostly inland floodingVery high

Painted Postmostly inland floodingHigh

Addisonmostly inland floodingHigh

Erwinmostly inland floodingHigh

Lindleymostly inland floodingModerate

Hornbymostly inland floodingModerate

Corningmostly 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. Erwin covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Erwin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Erwin. 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 Erwin total about $3.8M 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.