Natural hazards · Fulton

Fulton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fulton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 25 claims here since 1978. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fulton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fulton to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Fulton faces

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

Inland flooding

88% 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 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 Fulton flood?

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

25paid claims since 1978

$927Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 14 claims, $897K

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. Fulton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Schoharie County.

Disasters that hit Fulton

13 federal disasters brought FEMA money here

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

Brought FEMA money into FultonDeclared for Schoharie County only

2017

Severe Winter Storm and Snowstorm

$8K to the Town of Fulton for repairs

2011

Hurricane Irene

$779K to the Town of Fulton for repairs

2010

Severe Storms and Flooding

$5K to the Town of Fulton for repairs

2008

Severe Winter Storm

$70K to the Town of Fulton for repairs

2007

Severe Storms and Inland and Coastal Flooding

$22K to the Town of Fulton for repairs

2006

Severe Storms and Flooding

$7K to the Town of Fulton for repairs

2005

Severe Storms and Flooding

$102K to the Town of Fulton for repairs

2004

Tropical Depression Ivan

$6K to the Town of Fulton for repairs

2004

Severe Storms and Flooding

$36K to the Town of Fulton for repairs

2003

Snow

$3K to the Town of Fulton for repairs

2002

Snowstorms

$10K to the Town of Fulton for repairs

2000

Severe Storms and Flooding

$104K to the Town of Fulton for repairs

1999

Hurricane Floyd Major Disaster Declarations

$859 to the Town of Fulton for repairs

Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Fulton

Fulton and the towns around it

Very lowLowModerateHighVery high

Middleburghmostly inland floodingHigh

Fultonmostly inland floodingHigh

Blenheimmostly inland floodingHigh

Summitmostly inland floodingHigh

Richmondvillemostly inland floodingHigh

Broomemostly inland floodingModerate

Gilboamostly 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. Fulton 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 Fulton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fulton. 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.