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Natural hazards · Hamilton

Hamilton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1992. 9 federal disasters brought FEMA money into town.

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

How exposed is Hamilton?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Hamilton 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 82% of U.S. places
Recorded about once 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 Hamilton flood?

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

2paid claims since 1992
$100Kpaid to owners
0homes flooded more than once
19922026

Biggest named events

  • December Storm - Nor'easter: 1 claim, $10K
  • Hurricane Sandy: 1 claim, $89K
of all homes
are insured
No community discount. Hamilton 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 Hamilton

9 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Madison County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$68K to the Town of Hamilton for repairs
2017

Severe Winter Storm and Snowstorm

$13K to the Town of Hamilton for repairs
2013

Severe Storms and Flooding

$167K to the Town of Hamilton for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$142K to the Town of Hamilton for repairs
2006

Severe Storms and Flooding

$44K to the Town of Hamilton for repairs
2005

Severe Storms and Flooding

$17K to the Town of Hamilton for repairs
2003

Ice Storm

$8K to the Town of Hamilton for repairs
2002

Snowstorms

$5K to the Town of Hamilton for repairs
2000

Severe Storms and Flooding

$28K to the Town of Hamilton for repairs
Madison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Hamilton

Hamilton and the towns around it

Sherburne: High, mostly inland floodingMadison: Moderate, mostly inland floodingLebanon: Moderate, mostly inland floodingBrookfield: High, mostly inland floodingHamilton: Moderate, mostly inland floodingNorth Norwich: High, mostly inland floodingColumbus: High, mostly inland floodingSmyrna: High, mostly inland floodingNew Berlin: High, mostly inland floodingSangerfield: Low, mostly inland floodingEaton: Moderate, mostly inland floodingAugusta: Low, mostly inland floodingGeorgetown: Moderate, mostly inland floodingPlainfield: High, mostly inland floodingEdmeston: High, mostly inland floodingBridgewater: Moderate, mostly inland floodingHamilton: Moderate, mostly inland flooding HamiltonSherburneMadisonLebanonBrookfieldHamilton
Very lowLowModerateHighVery high
Sherburnemostly inland floodingHigh
Brookfieldmostly inland floodingHigh
Hamiltonmostly inland floodingModerate
Hamiltonmostly inland floodingModerate
Lebanonmostly inland floodingModerate
Madisonmostly 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. Hamilton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hamilton. 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 Hamilton total about $1.8M 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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