Natural hazards · Fowler

Fowler, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fowler comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fowler?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fowler to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves13%Everything else10%

By hazard

What Fowler faces

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

Inland flooding

77% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 4 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 Fowler flood?

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

4paid claims since 1998

$109Kpaid to owners

1homes flooded more than once

19982026

Biggest named events

Hurricane Debby: 1 claim, $55K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Fowler

3 federal disasters brought FEMA money here

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

Brought FEMA money into FowlerDeclared for St. Lawrence County only

2024

Remnants of Tropical Storm Debby

$293K to the Town of Fowler for repairs

2014

Severe Winter Storm, Snowstorm, and Flooding

$9K to the Town of Fowler for repairs

1999

Snow

$3K to the Town of Fowler for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Fowler

Fowler and the towns around it

Very lowLowModerateHighVery high

Antwerpmostly inland floodingHigh

Fowlermostly inland floodingModerate

Edwardsmostly inland floodingModerate

Pitcairnmostly inland floodingModerate

Dianamostly inland floodingModerate

Rossiemostly inland floodingModerate

Gouverneurmostly inland floodingLow

Hermonmostly 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. Fowler 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 Fowler’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fowler. 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.