Natural hazards · Gouverneur

Gouverneur, NY natural hazards

Most of the natural-hazard damage FEMA expects in Gouverneur comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 14 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gouverneur?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gouverneur to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves15%Earthquakes6%Everything else8%

By hazard

What Gouverneur faces

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

Inland flooding

72% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 64% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Gouverneur flood?

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

14paid claims since 1978

$53Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Hurricane Debby: 2 claims, $10K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Gouverneur isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: St. Lawrence County.

Disasters that hit Gouverneur

3 federal disasters brought FEMA money here

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

Brought FEMA money into GouverneurDeclared for St. Lawrence County only

2024

Remnants of Tropical Storm Debby

$36K to the Village of Gouverneur for repairs

2014

Severe Winter Storm, Snowstorm, and Flooding

$7K to the Village of Gouverneur for repairs

1999

Snow

$5K to the Village of Gouverneur for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Gouverneur 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 Gouverneur’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Gouverneur. 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.