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Natural hazards · Fort Plain

Fort Plain, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fort Plain comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 86 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Fort Plain?

83
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Plain to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
By hazard

What Fort Plain 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 95% of U.S. places
Recorded about 3 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 Fort Plain flood?

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

86paid claims since 1979
$3.4Mpaid to owners
15homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Lee: 1 claim, $98K

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

What’s been done with FEMA grants

14flood-prone properties bought out and cleared
Disasters that hit Fort Plain

8 federal disasters brought FEMA money here

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

Brought FEMA money into Fort PlainDeclared for Montgomery County only
2017

Severe Winter Storm and Snowstorm

$19K to the Village of Fort Plain for repairs
2013

Severe Storms and Flooding

$1.4M to the Village of Fort Plain for repairs
2011

Remnants of Tropical Storm Lee

1 household applied for aid
2011

Hurricane Irene

9 households applied for aid $6K aid approved $184K to the Village of Fort Plain for repairs
2007

Severe Storms and Inland and Coastal Flooding

$22K to the Village of Fort Plain for repairs
2006

Severe Storms and Flooding

202 households applied for aid $438K aid approved $1.6M to the Village of Fort Plain for repairs
2003

Severe Storms, Flooding, and Tornadoes

15 households applied for aid $20K aid approved $43K to the Village of Fort Plain for repairs
2002

Snowstorms

$9K to the Village of Fort Plain for repairs
Montgomery County has had 20 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Fort Plain

Fort Plain and the towns around it

Nelliston: Moderate, mostly inland floodingMinden: Very high, mostly inland floodingPalatine: Moderate, mostly inland floodingCanajoharie: High, mostly inland floodingSt. Johnsville: High, mostly inland floodingDanube: Low, mostly inland floodingStark: Low, mostly inland floodingCherry Valley: Moderate, mostly inland floodingRoot: Moderate, mostly inland floodingPalatine Bridge: Moderate, mostly inland floodingEphratah: High, mostly inland floodingMohawk: High, mostly inland floodingCanajoharie: High, mostly inland floodingFort Plain: Very high, mostly inland flooding Fort PlainNellistonMindenPalatine
Very lowLowModerateHighVery high
Fort Plainmostly inland floodingVery high
Mindenmostly inland floodingVery high
Nellistonmostly inland floodingModerate
Palatinemostly inland floodingModerate
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. Fort Plain 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 Fort Plain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Fort Plain. 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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