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Natural hazards · Herkimer

Herkimer, NY natural hazards

Most of the natural-hazard damage FEMA expects in Herkimer comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Herkimer?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Herkimer to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%
By hazard

What Herkimer faces

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

Inland flooding

85% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Herkimer flood?

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

5paid claims since 1979
$28Kpaid to owners
0homes flooded more than once
19792026
of all homes
are insured
No community discount. Herkimer isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Herkimer County.
Disasters that hit Herkimer

8 federal disasters brought FEMA money here

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

Brought FEMA money into HerkimerDeclared for Herkimer County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$65K to the Town of Herkimer for repairs
2017

Severe Winter Storm and Snowstorm

$16K to the Town of Herkimer for repairs
2013

Severe Storms and Flooding

$323K to the Town of Herkimer for repairs
2011

Remnants of Tropical Storm Lee

$18K to the Town of Herkimer for repairs
2011

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

$722K to the Town of Herkimer for repairs
2006

Severe Storms and Flooding

$272K to the Town of Herkimer for repairs
2002

Snowstorms

$26K to the Town of Herkimer for repairs
2000

Severe Storms and Flooding

$309K to the Town of Herkimer for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Herkimer

Herkimer and the towns around it

German Flatts: High, mostly inland floodingFairfield: Moderate, mostly inland floodingLittle Falls: Low, mostly inland floodingIlion: High, mostly inland floodingHerkimer: High, mostly inland floodingFrankfort: Moderate, mostly inland floodingSchuyler: Very low, mostly inland floodingMohawk: High, mostly inland floodingNewport: Moderate, mostly inland floodingColumbia: Moderate, mostly inland floodingWarren: Moderate, mostly inland floodingNorway: Moderate, mostly inland floodingSalisbury: Low, mostly inland floodingManheim: Low, mostly inland floodingLittle Falls: Moderate, mostly inland floodingDanube: Low, mostly inland floodingStark: Low, mostly inland floodingFrankfort: High, mostly inland floodingUtica: Very low, mostly inland floodingLitchfield: Moderate, mostly inland floodingNew Hartford: Low, mostly inland floodingDeerfield: Very low, mostly inland floodingRussia: Moderate, mostly inland floodingHerkimer: Moderate, mostly inland flooding HerkimerGerman FlattsFairfieldLittle FallsIlionHerkimerFrankfortSchuylerMohawkNewport
Very lowLowModerateHighVery high
Ilionmostly inland floodingHigh
German Flattsmostly inland floodingHigh
Herkimermostly inland floodingHigh
Mohawkmostly inland floodingHigh
Herkimermostly inland floodingModerate
Fairfieldmostly inland floodingModerate
Newportmostly inland floodingModerate
Frankfortmostly inland floodingModerate
Little Fallsmostly inland floodingLow
Schuylermostly 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. Herkimer covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Herkimer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Herkimer. 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 Herkimer total about $3.2M 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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