Natural hazards · Florence

Florence, NY natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Florence?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves8%Everything else13%

By hazard

What Florence 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 84% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 5 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 Florence flood?

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

3paid claims since 1978

$3Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oneida County.

Disasters that hit Florence

5 federal disasters brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Oneida County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$13K to the Town of Florence for repairs

2017

Severe Winter Storm and Snowstorm

$6K to the Town of Florence for repairs

2011

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

$22K to the Town of Florence for repairs

2007

Record Snow and Near Record Snow

$6K to the Town of Florence for repairs

2004

Snow

$12K to the Town of Florence for repairs

Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Camdenmostly inland floodingHigh

Florencemostly inland floodingHigh

Annsvillemostly inland floodingHigh

Redfieldmostly inland floodingModerate

Williamstownmostly inland floodingModerate

Lewismostly inland floodingLow

Osceolamostly 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. Florence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Florence. 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 Florence total about $1.3M 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.