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Natural hazards · Gilboa

Gilboa, NY natural hazards

Most of the natural-hazard damage FEMA expects in Gilboa comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1980. 14 federal disasters brought FEMA money into town.

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

How exposed is Gilboa?

57
Moderate
vs. U.S. communities

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

Inland flooding86%Everything else14%
By hazard

What Gilboa 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 81% 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 Gilboa flood?

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

7paid claims since 1980
$101Kpaid to owners
1homes flooded more than once
19802026

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. Gilboa 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.

What’s been done with FEMA grants

19flood-prone properties bought out and cleared
2flood-prone homes bought out and moved
Disasters that hit Gilboa

14 federal disasters brought FEMA money here

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

Brought FEMA money into GilboaDeclared for Schoharie County only
2017

Severe Winter Storm and Snowstorm

$21K to the Town of Gilboa for repairs
2011

Remnants of Tropical Storm Lee

6 households applied for aid $57K to the Town of Gilboa for repairs
2011

Hurricane Irene

116 households applied for aid $231K aid approved $692K to the Town of Gilboa for repairs
2010

Severe Storms and Flooding

$148K to the Town of Gilboa for repairs
2008

Severe Winter Storm

$119K to the Town of Gilboa for repairs
2007

Severe Storms and Inland and Coastal Flooding

$23K to the Town of Gilboa for repairs
2006

Severe Storms and Flooding

3 households applied for aid $8K aid approved
2005

Severe Storms and Flooding

2 households applied for aid $233K to the Town of Gilboa for repairs
2004

Tropical Depression Ivan

$93K to the Town of Gilboa for repairs
2004

Severe Storms and Flooding

$46K to the Town of Gilboa for repairs
2003

Snow

$9K to the Town of Gilboa for repairs
2002

Snowstorms

$18K to the Town of Gilboa for repairs
2000

Severe Storms and Flooding

$109K to the Town of Gilboa for repairs
1999

Hurricane Floyd Major Disaster Declarations

$13K to the Town of Gilboa for repairs
Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Gilboa

Gilboa and the towns around it

Broome: Moderate, mostly inland floodingBlenheim: High, mostly inland floodingConesville: Moderate, mostly inland floodingFulton: High, mostly inland floodingRensselaerville: High, mostly inland floodingMiddleburgh: High, mostly inland floodingBerne: Moderate, mostly inland floodingJefferson: High, mostly inland floodingSummit: High, mostly inland floodingWindham: High, mostly inland floodingAshland: Very high, mostly inland floodingPrattsville: Very high, mostly inland floodingDurham: Moderate, mostly inland floodingRichmondville: High, mostly inland floodingGilboa: Moderate, mostly inland flooding GilboaBroomeBlenheimConesvilleFulton
Very lowLowModerateHighVery high
Blenheimmostly inland floodingHigh
Fultonmostly inland floodingHigh
Gilboamostly inland floodingModerate
Broomemostly inland floodingModerate
Conesvillemostly 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. Gilboa covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Gilboa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Gilboa. 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 Gilboa 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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