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Natural hazards · Hartland

Hartland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is very low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Hartland?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartland to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding75%Cold waves7%Everything else18%
By hazard

What Hartland faces

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

Inland flooding

75% of expected damage
Below average · higher than 41% of U.S. places
Recorded about once a year in the area

Cold waves

7% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Hartland flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Hartland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Niagara County.
Disasters that hit Hartland

6 federal disasters brought FEMA money here

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

Brought FEMA money into HartlandDeclared for Niagara County only
2022

Severe Winter Storm and Snowstorm

$10K to the Town of Hartland for repairs
2006

Severe Storms and Flooding

$5K to the Town of Hartland for repairs
2004

Severe Storms and Flooding

$12K to the Town of Hartland for repairs
2001

Snow

$5K to the Town of Hartland for repairs
2000

Severe Storms and Flooding

$65K to the Town of Hartland for repairs
1999

Snow

$14K to the Town of Hartland for repairs
Niagara County has had 19 natural disasters declared since 1953, most often winter storms and floods.
Around Hartland

Hartland and the towns around it

Royalton: Very low, mostly inland floodingNewfane: Very low, mostly inland floodingSomerset: Very low, mostly inland floodingRidgeway: Very low, mostly inland floodingLockport: Moderate, mostly inland floodingNewstead: Low, mostly inland floodingClarence: Low, mostly inland floodingShelby: Very low, mostly inland floodingAlabama: Moderate, mostly inland floodingWilson: Very low, mostly inland floodingYates: Low, mostly inland floodingAlbion: Very low, mostly inland floodingCambria: Very low, mostly inland floodingPendleton: High, mostly inland floodingHartland: Very low, mostly inland flooding HartlandRoyaltonNewfaneSomersetRidgewayLockport
Very lowLowModerateHighVery high
Lockportmostly inland floodingModerate
Royaltonmostly inland floodingVery low
Hartlandmostly inland floodingVery low
Newfanemostly inland floodingVery low
Ridgewaymostly inland floodingVery low
Somersetmostly 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. Hartland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartland. 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 Hartland total about $604K 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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