Natural hazards · Hume

Hume, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hume comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hume?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hume to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%

By hazard

What Hume 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 91% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Hume flood?

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

6paid claims since 1996

$119Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Sandy: 1 claim, $24K

of all homes
are insured

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

Insurance rates: Allegany County.

Disasters that hit Hume

3 federal disasters brought FEMA money here

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

Brought FEMA money into HumeDeclared for Allegany County only

2011

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

$18K to the Town of Hume for repairs

2003

Severe Storms, Flooding, and Tornadoes

$180K to the Town of Hume for repairs

2000

Severe Storms and Flooding

$122K to the Town of Hume for repairs

Allegany County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Hume

Hume and the towns around it

Very lowLowModerateHighVery high

Grangermostly inland floodingVery high

Caneadeamostly inland floodingVery high

Humemostly inland floodingHigh

Centervillemostly inland floodingHigh

Portagemostly inland floodingHigh

Genesee Fallsmostly inland floodingHigh

Pikemostly inland floodingHigh

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