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Natural hazards · German Flatts

German Flatts, NY natural hazards

Most of the natural-hazard damage FEMA expects in German Flatts comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 2006. 7 federal disasters brought FEMA money into town.

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

How exposed is German Flatts?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in German Flatts to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
By hazard

What German Flatts 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 92% of U.S. places
Recorded about 4 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 German Flatts flood?

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

10paid claims since 2006
$90Kpaid to owners
0homes flooded more than once
20062026
of all homes
are insured
No community discount. German Flatts isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Herkimer County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit German Flatts

7 federal disasters brought FEMA money here

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

Brought FEMA money into German FlattsDeclared for Herkimer County only
2017

Severe Winter Storm and Snowstorm

$10K to the Town of German Flatts for repairs
2013

Severe Storms and Flooding

$477K to the Town of German Flatts for repairs
2011

Remnants of Tropical Storm Lee

$13K to the Town of German Flatts for repairs
2011

Hurricane Irene

$43K to the Town of German Flatts for repairs
2006

Severe Storms and Flooding

$811K to the Town of German Flatts for repairs
2002

Snowstorms

$24K to the Town of German Flatts for repairs
2000

Severe Storms and Flooding

$388K to the Town of German Flatts for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around German Flatts

German Flatts and the towns around it

Herkimer: Moderate, mostly inland floodingIlion: High, mostly inland floodingColumbia: Moderate, mostly inland floodingHerkimer: High, mostly inland floodingLittle Falls: Low, mostly inland floodingFrankfort: Moderate, mostly inland floodingMohawk: High, mostly inland floodingWarren: Moderate, mostly inland floodingFairfield: Moderate, mostly inland floodingSchuyler: Very low, mostly inland floodingNewport: Moderate, mostly inland floodingLitchfield: Moderate, mostly inland floodingWinfield: Moderate, mostly inland floodingRichfield: High, mostly inland floodingLittle Falls: Moderate, mostly inland floodingDanube: Low, mostly inland floodingStark: Low, mostly inland floodingFrankfort: High, mostly inland floodingUtica: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingSpringfield: Moderate, mostly inland floodingRichfield Springs: High, mostly inland floodingGerman Flatts: High, mostly inland flooding German FlattsHerkimerIlionColumbiaHerkimerLittle FallsFrankfortMohawkWarren
Very lowLowModerateHighVery high
Ilionmostly inland floodingHigh
German Flattsmostly inland floodingHigh
Herkimermostly inland floodingHigh
Mohawkmostly inland floodingHigh
Herkimermostly inland floodingModerate
Columbiamostly inland floodingModerate
Warrenmostly inland floodingModerate
Frankfortmostly inland floodingModerate
Little Fallsmostly 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. German Flatts covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to German Flatts’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of German Flatts. 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 German Flatts total about $4.6M 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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