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 high for a U.S. community. Flood insurance has paid 7 claims here since 1981. 9 federal disasters brought FEMA money into town.

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

How exposed is Frankfort?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankfort to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%
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

87% of expected damage
Well above average · higher than 85% 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.

7paid claims since 1981
$23Kpaid to owners
1homes flooded more than once
19812026

Biggest named events

  • Tropical Storm Lee: 3 claims, $12K
  • Hurricane Irene: 1 claim, $2K

Homes that flooded again and again

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

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

9 federal disasters brought FEMA money here

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

Brought FEMA money into FrankfortDeclared for Herkimer County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$1.2M to the Village of Frankfort for repairs
2017

Severe Winter Storm and Snowstorm

$13K to the Village of Frankfort for repairs
2014

Severe Storms and Flooding

$88K to the Village of Frankfort for repairs
2013

Severe Storms and Flooding

$593K to the Village of Frankfort for repairs
2011

Remnants of Tropical Storm Lee

14 households applied for aid $9K aid approved
2011

Hurricane Irene

49 households applied for aid $71K aid approved $8K to the Village of Frankfort for repairs
2006

Severe Storms and Flooding

24 households applied for aid $17K aid approved $33K to the Village of Frankfort for repairs
2004

Severe Storms and Flooding

$19K to the Village of Frankfort for repairs
2002

Snowstorms

$8K to the Village 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

Frankfort: Moderate, mostly inland floodingSchuyler: Very low, 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 floodingFrankfort: High, mostly inland flooding FrankfortFrankfortSchuyler
Very lowLowModerateHighVery high
Frankfortmostly inland floodingHigh
Frankfortmostly inland floodingModerate
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 1 census tract, 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 Village 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 $1.2M 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/18 · 2025-01-01