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Natural hazards · Georgetown

Georgetown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

How exposed is Georgetown?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%
By hazard

What Georgetown 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 81% of U.S. places
Recorded about once 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 Georgetown flood?

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

3paid claims since 1981
$22Kpaid to owners
0homes flooded more than once
19812026
of all homes
are insured
No community discount. Georgetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.
Disasters that hit Georgetown

7 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Madison County only
2017

Severe Winter Storm and Snowstorm

$6K to the Town of Georgetown for repairs
2013

Severe Storms and Flooding

$20K to the Town of Georgetown for repairs
2006

Severe Storms and Flooding

$33K to the Town of Georgetown for repairs
2005

Severe Storms and Flooding

$15K to the Town of Georgetown for repairs
2003

Ice Storm

$14K to the Town of Georgetown for repairs
2002

Snowstorms

$4K to the Town of Georgetown for repairs
2000

Severe Storms and Flooding

$14K to the Town of Georgetown for repairs
Madison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Georgetown

Georgetown and the towns around it

DeRuyter: Moderate, mostly inland floodingLebanon: Moderate, mostly inland floodingNelson: Very low, mostly inland floodingOtselic: High, mostly inland floodingCazenovia: Low, mostly inland floodingFabius: Very low, mostly inland floodingLincklaen: High, mostly inland floodingCuyler: High, mostly inland floodingEaton: Moderate, mostly inland floodingSmyrna: High, mostly inland floodingHamilton: Moderate, mostly inland floodingHamilton: Moderate, mostly inland floodingFenner: Moderate, mostly inland floodingPharsalia: Moderate, mostly inland floodingGeorgetown: Moderate, mostly inland flooding GeorgetownDeRuyterLebanonNelsonOtselic
Very lowLowModerateHighVery high
Otselicmostly inland floodingHigh
Georgetownmostly inland floodingModerate
DeRuytermostly inland floodingModerate
Lebanonmostly inland floodingModerate
Nelsonmostly inland floodingVery low
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. Georgetown covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Georgetown. 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 Georgetown total about $1.4M 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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