Natural hazards · Harrietstown

Harrietstown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Harrietstown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1996. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harrietstown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrietstown to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding82%Earthquakes6%Everything else12%

By hazard

What Harrietstown faces

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

Inland flooding

82% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Earthquakes

6% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Harrietstown flood?

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

1paid claims since 1996

$3Kpaid to owners

0homes flooded more than once

19962026

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Harrietstown

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarrietstownDeclared for Franklin County only

2017

Severe Winter Storm and Snowstorm

$7K to the Town of Harrietstown for repairs

2011

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

$323K to the Town of Harrietstown for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Harrietstown

Harrietstown and the towns around it

Very lowLowModerateHighVery high

Newcombmostly inland floodingHigh

Tupper Lakemostly inland floodingHigh

St. Armandmostly inland floodingHigh

Long Lakemostly inland floodingHigh

Saranac Lakemostly inland floodingModerate

Harrietstownmostly inland floodingModerate

Santa Claramostly inland floodingModerate

North Elbamostly inland floodingLow

Brightonmostly inland floodingVery low

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. Harrietstown covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Harrietstown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Harrietstown. 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 Harrietstown total about $2.0M 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.