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Natural hazards · Fairfield

Fairfield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fairfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 23 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

How exposed is Fairfield?

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairfield to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%
By hazard

What Fairfield 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 79% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Fairfield flood?

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

23paid claims since 1980
$783Kpaid to owners
0homes flooded more than once
19802026
of all homes
are insured
No community discount. Fairfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Herkimer County.
Disasters that hit Fairfield

6 federal disasters brought FEMA money here

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

Brought FEMA money into FairfieldDeclared for Herkimer County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$810K to the Town of Fairfield for repairs
2017

Severe Winter Storm and Snowstorm

$6K to the Town of Fairfield for repairs
2013

Severe Storms and Flooding

$66K to the Town of Fairfield for repairs
2006

Severe Storms and Flooding

1 household applied for aid $53K to the Town of Fairfield for repairs
2002

Snowstorms

$9K to the Town of Fairfield for repairs
2000

Severe Storms and Flooding

$138K to the Town of Fairfield for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Fairfield

Fairfield and the towns around it

Herkimer: Moderate, mostly inland floodingNewport: Moderate, mostly inland floodingNorway: Moderate, mostly inland floodingSalisbury: Low, mostly inland floodingLittle Falls: Low, mostly inland floodingManheim: Low, mostly inland floodingGerman Flatts: High, mostly inland floodingIlion: High, mostly inland floodingHerkimer: High, mostly inland floodingFrankfort: Moderate, mostly inland floodingSchuyler: Very low, mostly inland floodingMohawk: High, mostly inland floodingRussia: Moderate, mostly inland floodingOhio: Moderate, mostly inland floodingStratford: High, mostly inland floodingOppenheim: High, mostly inland floodingMorehouse: Moderate, mostly inland floodingLittle Falls: Moderate, mostly inland floodingDanube: Low, mostly inland floodingStark: Low, mostly inland floodingSt. Johnsville: High, mostly inland floodingDolgeville: Low, mostly inland floodingFairfield: Moderate, mostly inland flooding FairfieldHerkimerNewportNorwaySalisburyLittle FallsManheim
Very lowLowModerateHighVery high
Herkimermostly inland floodingModerate
Fairfieldmostly inland floodingModerate
Newportmostly inland floodingModerate
Norwaymostly inland floodingModerate
Manheimmostly inland floodingLow
Salisburymostly inland floodingLow
Little Fallsmostly 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. Fairfield covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Fairfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Fairfield. 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 Fairfield total about $1.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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