Natural hazards · Harmony

Harmony, NY natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harmony?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes9%Everything else14%

By hazard

What Harmony faces

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

Inland flooding

77% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 70 years in the area

Lower here

HurricanesHailIce 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 Harmony flood?

FEMA's records show no paid flood insurance claims in Harmony.

of all homes
are insured

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

Insurance rates: Chautauqua County.

Disasters that hit Harmony

5 federal disasters brought FEMA money here

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

Brought FEMA money into HarmonyDeclared for Chautauqua County only

2009

Severe Storms and Flooding

$36K to the Town of Harmony for repairs

2004

Severe Storms and Flooding

$7K to the Town of Harmony for repairs

2001

Snow

$6K to the Town of Harmony for repairs

2000

Snow

$3K to the Town of Harmony for repairs

1999

Snow

$3K to the Town of Harmony for repairs

Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

North Harmonymostly inland floodingHigh

Freeholdmostly inland floodingHigh

Harmonymostly inland floodingModerate

Panamamostly inland floodingModerate

Bustimostly inland floodingLow

Clymermostly 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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harmony. 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 Harmony total about $553K 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.