Natural hazards · Hartford

Hartford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hartford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves13%Hurricanes6%Tornadoes5%Everything else13%

By hazard

What Hartford faces

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

Inland flooding

63% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

6% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 25 years in the area

Tornadoes

5% of expected damage

Below average · higher than 34% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Hartford flood?

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

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Hartford

2 federal disasters brought FEMA money here

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

Brought FEMA money into HartfordDeclared for Washington County only

2011

Hurricane Irene

$53K to the Town of Hartford for repairs

2008

Severe Winter Storm

$27K to the Town of Hartford for repairs

Washington County has had 11 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Hartford

Hartford and the towns around it

Very lowLowModerateHighVery high

Hebronmostly inland floodingHigh

Granvillemostly inland floodingModerate

Fort Annmostly inland floodingLow

Hartfordmostly inland floodingLow

Argylemostly inland floodingVery low

Kingsburymostly 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. Hartford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartford. 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 Hartford total about $540K 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.