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Natural hazards · Hartwick

Hartwick, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hartwick comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2006. 8 federal disasters brought FEMA money into town.

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

How exposed is Hartwick?

71
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartwick to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves13%Everything else7%
By hazard

What Hartwick faces

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

Inland flooding

80% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 5 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 Hartwick flood?

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

1paid claims since 2006
$27Kpaid to owners
0homes flooded more than once
20062026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hartwick isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Otsego County.
Disasters that hit Hartwick

8 federal disasters brought FEMA money here

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

Brought FEMA money into HartwickDeclared for Otsego County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$669K to the Town of Hartwick for repairs
2017

Severe Winter Storm and Snowstorm

$15K to the Town of Hartwick for repairs
2013

Severe Storms and Flooding

$42K to the Town of Hartwick for repairs
2011

Remnants of Tropical Storm Lee

1 household applied for aid $524 aid approved $15K to the Town of Hartwick for repairs
2011

Hurricane Irene

3 households applied for aid $3K aid approved $12K to the Town of Hartwick for repairs
2006

Severe Storms and Flooding

85 households applied for aid $108K aid approved $358K to the Town of Hartwick for repairs
2005

Severe Storms and Flooding

$1K to the Town of Hartwick for repairs
2002

Snowstorms

$25K to the Town of Hartwick for repairs
Otsego County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Hartwick

Hartwick and the towns around it

Middlefield: High, mostly inland floodingOtsego: High, mostly inland floodingMilford: High, mostly inland floodingNew Lisbon: Moderate, mostly inland floodingBurlington: Moderate, mostly inland floodingRoseboom: High, mostly inland floodingWestford: High, mostly inland floodingCherry Valley: Moderate, mostly inland floodingSpringfield: Moderate, mostly inland floodingExeter: High, mostly inland floodingRichfield: High, mostly inland floodingOneonta: Moderate, mostly inland floodingMaryland: High, mostly inland floodingLaurens: Very high, mostly inland floodingPittsfield: Moderate, mostly inland floodingMorris: High, mostly inland floodingEdmeston: High, mostly inland floodingPlainfield: High, mostly inland floodingHartwick: High, mostly inland flooding HartwickMiddlefieldOtsegoMilfordNew LisbonBurlington
Very lowLowModerateHighVery high
Milfordmostly inland floodingHigh
Middlefieldmostly inland floodingHigh
Hartwickmostly inland floodingHigh
Otsegomostly inland floodingHigh
New Lisbonmostly inland floodingModerate
Burlingtonmostly 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. Hartwick covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hartwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartwick. 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 Hartwick total about $1.2M 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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