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Natural hazards · Frankfort

Frankfort, NY natural hazards

Most of the natural-hazard damage FEMA expects in Frankfort comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 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 Frankfort?

41
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankfort to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%
By hazard

What Frankfort faces

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

Inland flooding

83% of expected damage
Above average · higher than 70% 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 Frankfort flood?

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

4paid claims since 1979
$12Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 1 claim, $4K
of all homes
are insured
No community discount. Frankfort 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 Frankfort

8 federal disasters brought FEMA money here

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

Brought FEMA money into FrankfortDeclared for Herkimer County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$252K to the Town of Frankfort for repairs
2017

Severe Winter Storm and Snowstorm

$20K to the Town of Frankfort for repairs
2013

Severe Storms and Flooding

$135K to the Town of Frankfort for repairs
2011

Remnants of Tropical Storm Lee

$14K to the Town of Frankfort for repairs
2011

Hurricane Irene

$32K to the Town of Frankfort for repairs
2006

Severe Storms and Flooding

$25K to the Town of Frankfort for repairs
2002

Snowstorms

$12K to the Town of Frankfort for repairs
2000

Severe Storms and Flooding

$171K to the Town of Frankfort for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Frankfort

Frankfort and the towns around it

Schuyler: Very low, mostly inland floodingFrankfort: High, mostly inland floodingUtica: Very low, mostly inland floodingLitchfield: Moderate, mostly inland floodingHerkimer: Moderate, mostly inland floodingNew Hartford: Low, mostly inland floodingGerman Flatts: High, mostly inland floodingIlion: High, mostly inland floodingNewport: Moderate, mostly inland floodingDeerfield: Very low, mostly inland floodingMarcy: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingWhitestown: Low, mostly inland floodingNew York Mills: Very low, mostly inland floodingYorkville: Low, mostly inland floodingParis: Very low, mostly inland floodingColumbia: Moderate, mostly inland floodingWinfield: Moderate, mostly inland floodingFairfield: Moderate, mostly inland floodingLittle Falls: Low, mostly inland floodingHerkimer: High, mostly inland floodingMohawk: High, mostly inland floodingKirkland: Moderate, mostly inland floodingWarren: Moderate, mostly inland floodingFrankfort: Moderate, mostly inland flooding FrankfortSchuylerFrankfortUticaLitchfieldHerkimerNew HartfordGerman FlattsIlion
Very lowLowModerateHighVery high
Ilionmostly inland floodingHigh
German Flattsmostly inland floodingHigh
Frankfortmostly inland floodingHigh
Herkimermostly inland floodingModerate
Litchfieldmostly inland floodingModerate
Frankfortmostly inland floodingModerate
New Hartfordmostly inland floodingLow
Uticamostly inland floodingVery low
Schuylermostly 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. Frankfort covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Frankfort’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Frankfort. 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 Frankfort total about $2.0M 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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