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Natural hazards · Franklin

Franklin, NY natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1985. 5 federal disasters brought FEMA money into town.

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

How exposed is Franklin?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding84%Cold waves6%Everything else10%
By hazard

What Franklin faces

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

Inland flooding

84% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Franklin flood?

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

5paid claims since 1985
$58Kpaid to owners
1homes flooded more than once
19852026

Biggest named events

  • Hurricane Gloria: 1 claim, $6K
  • Hurricane Sandy: 1 claim, $29K

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into FranklinDeclared for Delaware County only
2017

Severe Winter Storm and Snowstorm

$21K to the Town of Franklin for repairs
2014

Severe Storms and Flooding

$104K to the Town of Franklin for repairs
2006

Severe Storms and Flooding

$7.4M to the Town of Franklin for repairs
2003

Snow

$11K to the Town of Franklin for repairs
2002

Snowstorms

$25K to the Town of Franklin for repairs
Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.
Around Franklin

Franklin and the towns around it

Otego: Very high, mostly inland floodingSidney: High, mostly inland floodingMeredith: High, mostly inland floodingWalton: Very high, mostly inland floodingHamden: High, mostly inland floodingOneonta: Moderate, mostly inland floodingUnadilla: High, mostly inland floodingButternuts: High, mostly inland floodingLaurens: Very high, mostly inland floodingMorris: High, mostly inland floodingSidney: Moderate, mostly inland floodingUnadilla: High, mostly inland floodingMasonville: High, mostly inland floodingBainbridge: High, mostly inland floodingDavenport: High, mostly inland floodingDelhi: High, mostly inland floodingKortright: High, mostly inland floodingTompkins: Very high, mostly inland floodingColchester: Very high, mostly inland floodingAndes: High, mostly inland floodingMilford: High, mostly inland floodingFranklin: High, mostly inland flooding FranklinOtegoSidneyMeredithWaltonHamdenOneonta
Very lowLowModerateHighVery high
Otegomostly inland floodingVery high
Waltonmostly inland floodingVery high
Franklinmostly inland floodingHigh
Meredithmostly inland floodingHigh
Hamdenmostly inland floodingHigh
Sidneymostly inland floodingHigh
Oneontamostly 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. Franklin covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Franklin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Franklin. 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 Franklin total about $1.3M 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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