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Natural hazards · Esperance

Esperance, NY natural hazards

Most of the natural-hazard damage FEMA expects in Esperance comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 27 claims here since 1980. 4 federal disasters brought FEMA money into town.

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

How exposed is Esperance?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Esperance to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%
By hazard

What Esperance faces

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

Inland flooding

85% of expected damage
Well above average · higher than 85% 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 Esperance flood?

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

27paid claims since 1980
$971Kpaid to owners
6homes flooded more than once
19802026

Biggest named events

  • Hurricane Irene: 8 claims, $619K
  • Torrential rain: 6 claims, $118K

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

What’s been done with FEMA grants

11homes raised above flood level
8flood-prone properties bought out and cleared
Disasters that hit Esperance

4 federal disasters brought FEMA money here

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

Brought FEMA money into EsperanceDeclared for Schoharie County only
2011

Remnants of Tropical Storm Lee

2 households applied for aid $2K aid approved
2011

Hurricane Irene

118 households applied for aid $755K aid approved
2006

Severe Storms and Flooding

3 households applied for aid
2005

Severe Storms and Flooding

8 households applied for aid $3K aid approved
Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Esperance

Esperance and the towns around it

Esperance: High, mostly inland floodingDuanesburg: Very low, mostly inland floodingSchoharie: High, mostly inland floodingCharleston: Low, mostly inland floodingCarlisle: Low, mostly inland floodingPrincetown: Low, mostly inland floodingFlorida: Low, mostly inland floodingWright: High, mostly inland floodingKnox: Very low, mostly inland floodingEsperance: High, mostly inland flooding EsperanceEsperanceDuanesburg
Very lowLowModerateHighVery high
Esperancemostly inland floodingHigh
Esperancemostly inland floodingHigh
Duanesburgmostly 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. Esperance 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 Esperance’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Esperance. 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
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