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Natural hazards · Harpersfield

Harpersfield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Harpersfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Harpersfield?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harpersfield to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding78%Cold waves7%Hurricanes6%Everything else10%
By hazard

What Harpersfield faces

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

Inland flooding

78% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 2 times a year in the area

Cold waves

7% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 29 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 Harpersfield flood?

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

1paid claims since 1979
$4Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Harpersfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.
Disasters that hit Harpersfield

11 federal disasters brought FEMA money here

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

Brought FEMA money into HarpersfieldDeclared for Delaware County only
2017

Severe Winter Storm and Snowstorm

$18K to the Town of Harpersfield for repairs
2011

Remnants of Tropical Storm Lee

1 household applied for aid
2011

Hurricane Irene

1 household applied for aid $3K aid approved $5K to the Town of Harpersfield for repairs
2011

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

$27K to the Town of Harpersfield for repairs
2008

Severe Winter Storm

$72K to the Town of Harpersfield for repairs
2006

Severe Storms and Flooding

2 households applied for aid $5K aid approved
2005

Severe Storms and Flooding

$2K to the Town of Harpersfield for repairs
2004

Tropical Depression Ivan

$2K to the Town of Harpersfield for repairs
2004

Severe Storms and Flooding

$87K to the Town of Harpersfield for repairs
2003

Snow

$2K to the Town of Harpersfield for repairs
2002

Snowstorms

$6K to the Town of Harpersfield for repairs
Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.
Around Harpersfield

Harpersfield and the towns around it

Stamford: High, mostly inland floodingWorcester: Very high, mostly inland floodingDavenport: High, mostly inland floodingMaryland: High, mostly inland floodingStamford: High, mostly inland floodingKortright: High, mostly inland floodingJefferson: High, mostly inland floodingRoxbury: High, mostly inland floodingBovina: High, mostly inland floodingDelhi: High, mostly inland floodingSummit: High, mostly inland floodingDecatur: High, mostly inland floodingRichmondville: High, mostly inland floodingWestford: High, mostly inland floodingOneonta: Moderate, mostly inland floodingMeredith: High, mostly inland floodingMilford: High, mostly inland floodingBlenheim: High, mostly inland floodingHarpersfield: Moderate, mostly inland flooding HarpersfieldStamfordWorcesterDavenportMarylandStamfordKortrightJefferson
Very lowLowModerateHighVery high
Worcestermostly inland floodingVery high
Davenportmostly inland floodingHigh
Marylandmostly inland floodingHigh
Jeffersonmostly inland floodingHigh
Stamfordmostly inland floodingHigh
Stamfordmostly inland floodingHigh
Kortrightmostly inland floodingHigh
Harpersfieldmostly 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. Harpersfield covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Harpersfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harpersfield. 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 Harpersfield total about $759K 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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