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Natural hazards · Freedom

Freedom, NY natural hazards

Most of the natural-hazard damage FEMA expects in Freedom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2000. 3 federal disasters brought FEMA money into town.

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

How exposed is Freedom?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freedom to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Freedom faces

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

Inland flooding

86% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 2 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 Freedom flood?

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

3paid claims since 2000
$81Kpaid to owners
0homes flooded more than once
20002026
of all homes
are insured
No community discount. Freedom isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.
Disasters that hit Freedom

3 federal disasters brought FEMA money here

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

Brought FEMA money into FreedomDeclared for Cattaraugus County only
2009

Severe Storms and Flooding

$69K to the Town of Freedom for repairs
2000

Snow

$3K to the Town of Freedom for repairs
2000

Severe Storms and Flooding

$47K to the Town of Freedom for repairs
Cattaraugus County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Freedom

Freedom and the towns around it

Farmersville: High, mostly inland floodingYorkshire: Moderate, mostly inland floodingArcade: Very high, mostly inland floodingCenterville: High, mostly inland floodingRushford: Moderate, mostly inland floodingArcade: Very high, mostly inland floodingMachias: High, mostly inland floodingLyndon: High, mostly inland floodingSardinia: Low, mostly inland floodingAshford: High, mostly inland floodingEagle: High, mostly inland floodingJava: Very low, mostly inland floodingHume: High, mostly inland floodingCaneadea: Very high, mostly inland floodingNew Hudson: Moderate, mostly inland floodingFreedom: High, mostly inland flooding FreedomFarmersvilleYorkshireArcadeCentervilleRushfordArcade
Very lowLowModerateHighVery high
Arcademostly inland floodingVery high
Arcademostly inland floodingVery high
Centervillemostly inland floodingHigh
Freedommostly inland floodingHigh
Farmersvillemostly inland floodingHigh
Rushfordmostly inland floodingModerate
Yorkshiremostly 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. Freedom covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Freedom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Freedom. 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 Freedom total about $1.5M 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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