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Natural hazards · Floyd

Floyd, NY natural hazards

Most of the natural-hazard damage FEMA expects in Floyd comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2019. 11 federal disasters brought FEMA money into town.

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

How exposed is Floyd?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Floyd to be higher than in 6% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves16%Tornadoes7%Strong wind7%Everything else14%
By hazard

What Floyd faces

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

Inland flooding

57% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area

Cold waves

16% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

7% of expected damage
Well below average · higher than 24% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Floyd flood?

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

2paid claims since 2019
$13Kpaid to owners
0homes flooded more than once
20192026

Biggest named events

  • Tropical Storm Fred: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Floyd 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 Floyd

11 federal disasters brought FEMA money here

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

Brought FEMA money into FloydDeclared for Oneida County only
2021

Remnants of Tropical Storm Fred

$366K to the Town of Floyd for repairs
2019

Severe Storms, Straight-Line Winds, and Flooding

$29K to the Town of Floyd for repairs
2017

Severe Winter Storm and Snowstorm

$7K to the Town of Floyd for repairs
2013

Severe Storms and Flooding

$41K to the Town of Floyd for repairs
2011

Remnants of Tropical Storm Lee

$19K to the Town of Floyd for repairs
2007

Record Snow and Near Record Snow

$10K to the Town of Floyd for repairs
2006

Severe Storms and Flooding

$37K to the Town of Floyd for repairs
2004

Snow

$14K to the Town of Floyd for repairs
2003

Ice Storm

$8K to the Town of Floyd for repairs
2002

Snowstorms

$12K to the Town of Floyd for repairs
2000

Severe Storms and Flooding

$150K to the Town of Floyd for repairs
Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.
Around Floyd

Floyd and the towns around it

Rome: Very low, mostly inland floodingTrenton: Low, mostly inland floodingSteuben: Low, mostly inland floodingMarcy: Very low, mostly inland floodingWhitestown: Low, mostly inland floodingWestern: Low, mostly inland floodingVerona: Moderate, mostly inland floodingVienna: Very high, mostly inland floodingLee: Low, mostly inland floodingWestmoreland: Very low, mostly inland floodingAnnsville: High, mostly inland floodingRussia: Moderate, mostly inland floodingRemsen: Low, mostly inland floodingDeerfield: Very low, mostly inland floodingBoonville: Very low, mostly inland floodingUtica: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingYorkville: Low, mostly inland floodingKirkland: Moderate, mostly inland floodingAva: Low, mostly inland floodingFloyd: Very low, mostly inland flooding FloydRomeTrentonSteubenMarcyWhitestownWestern
Very lowLowModerateHighVery high
Whitestownmostly inland floodingLow
Westernmostly inland floodingLow
Steubenmostly inland floodingLow
Trentonmostly inland floodingLow
Romemostly inland floodingVery low
Floydmostly inland floodingVery low
Marcymostly 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. Floyd covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Floyd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Floyd. 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 Floyd total about $514K 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.

The coffee’s on

Where to, neighbor?

You’re in Floyd, NYOneida CountyView boundary

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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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