Natural hazards · Horicon

Horicon, NY natural hazards

Most of the natural-hazard damage FEMA expects in Horicon comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Horicon?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horicon to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves12%Everything else9%

By hazard

What Horicon faces

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

Inland flooding

79% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Horicon flood?

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

7paid claims since 1978

$115Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $2K

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Horicon

5 federal disasters brought FEMA money here

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

Brought FEMA money into HoriconDeclared for Warren County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$163K to the Town of Horicon for repairs

2013

Severe Storms and Flooding

$70K to the Town of Horicon for repairs

2011

Hurricane Irene

$51K to the Town of Horicon for repairs

2010

Severe Storms and Flooding

$10K to the Town of Horicon for repairs

2004

Severe Storms and Flooding

$61K to the Town of Horicon for repairs

Warren County has had 14 natural disasters declared since 1953, most often floods and hurricanes.

Around Horicon

Horicon and the towns around it

Very lowLowModerateHighVery high

Horiconmostly inland floodingHigh

Haguemostly inland floodingHigh

Chestermostly inland floodingHigh

Warrensburgmostly inland floodingModerate

Boltonmostly inland floodingLow

Schroonmostly 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. Horicon 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 Horicon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Horicon. 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.