Natural hazards · Fremont

Fremont, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fremont comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1978.

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

Expected damage

How exposed is Fremont?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fremont to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Fremont 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 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Fremont flood?

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

18paid claims since 1978

$469Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Torrential rain: 3 claims, $85K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sullivan County.

Disasters that hit Fremont

Federal disasters declared here

None of the disasters declared for Sullivan County shows FEMA aid or repair money reaching Fremont itself in FEMA’s records.

Brought FEMA money into FremontDeclared for Sullivan County only

Sullivan County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Fremont

Fremont and the towns around it

Very lowLowModerateHighVery high

Hancockmostly inland floodingVery high

Rocklandmostly inland floodingVery high

Manchestermostly inland floodingHigh

Fremontmostly inland floodingHigh

Callicoonmostly inland floodingHigh

Delawaremostly inland floodingHigh

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. Fremont covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fremont’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Fremont. 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 Fremont 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.