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 moderate for a U.S. community. Flood insurance has paid 16 claims here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fremont?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fremont to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding80%Everything else20%

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

80% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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.

16paid claims since 1989

$416Kpaid to owners

4homes flooded more than once

19892026

Biggest named events

Torrential rain: 3 claims, $85K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Steuben County.

Disasters that hit Fremont

2 federal disasters brought FEMA money here

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

Brought FEMA money into FremontDeclared for Steuben County only

2004

Tropical Depression Ivan

$50K to the Town of Fremont for repairs

2003

Severe Storms, Flooding, and Tornadoes

$86K to the Town of Fremont for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Fremont

Fremont and the towns around it

Very lowLowModerateHighVery high

Hornellsvillemostly inland floodingHigh

Fremontmostly inland floodingModerate

Dansvillemostly inland floodingModerate

Howardmostly inland floodingModerate

Waylandmostly inland floodingLow

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 is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Fremont’s own flood-insurance community; 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.

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.