Natural hazards · Hermon

Hermon, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hermon comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2012. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hermon?

Low

vs. U.S. communities

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

Inland flooding64%Cold waves19%Earthquakes8%Everything else10%

By hazard

What Hermon faces

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

Inland flooding

64% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 67% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Hermon flood?

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

1paid claims since 2012

$10Kpaid to owners

0homes flooded more than once

20122026

Biggest named events

Hurricane Sandy: 1 claim, $10K

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Hermon

2 federal disasters brought FEMA money here

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

Brought FEMA money into HermonDeclared for St. Lawrence County only

2014

Severe Winter Storm, Snowstorm, and Flooding

$11K to the Town of Hermon for repairs

1999

Snow

$3K to the Town of Hermon for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Hermon

Hermon and the towns around it

Very lowLowModerateHighVery high

Russellmostly inland floodingModerate

Edwardsmostly inland floodingModerate

Fowlermostly inland floodingModerate

Gouverneurmostly inland floodingLow

Hermonmostly inland floodingLow

De Kalbmostly inland floodingLow

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. Hermon is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hermon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hermon. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.