Harford, NY natural hazards
Most of the natural-hazard damage FEMA expects in Harford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 2011. 3 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Harford?
FEMA expects yearly storm and flood damage to homes and buildings in Harford to be higher than in 57% of U.S. communities, mostly from inland flooding.
What Harford faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Lower here
Not a risk here
Does Harford flood?
Every paid claim on a federal flood insurance policy in Harford, from FEMA’s records.
Biggest named events
- Tropical Storm Lee: 1 claim, $20K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
3 federal disasters brought FEMA money here
Disasters the President declared that paid out in Harford itself: aid to households, or repair grants to the Town of Harford.
Severe Winter Storm and Snowstorm
Severe Storms and Flooding
Severe Storms and Flooding
Harford and the towns around it
How to read this page
FEMA’s expected losses across Harford total about $1.5M 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.