Natural hazards · Hector

Hector, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hector comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hector?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hector to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding62%Drought15%Tornadoes6%Everything else18%

By hazard

What Hector faces

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

Inland flooding

62% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Drought

15% of expected damage

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 51 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Hector flood?

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

8paid claims since 1979

$55Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Schuyler County.

Disasters that hit Hector

1 federal disaster brought FEMA money here

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

Brought FEMA money into HectorDeclared for Schuyler County only

2018

Severe Storms and Flooding

$56K to the Town of Hector for repairs

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

Around Hector

Hector and the towns around it

Very lowLowModerateHighVery high

Catharinemostly inland floodingModerate

Montourmostly inland floodingModerate

Enfieldmostly inland floodingModerate

Watkins Glenmostly inland floodingLow

Dixmostly inland floodingLow

Starkeymostly inland floodingLow

Hectormostly inland floodingLow

Lodimostly inland floodingVery low

Ulyssesmostly inland floodingVery low

Readingmostly 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. Hector covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hector’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hector. 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 Hector total about $1.3M 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.