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Natural hazards · Humphrey

Humphrey, NY natural hazards

Most of the natural-hazard damage FEMA expects in Humphrey comes from inland flooding, and overall the risk is high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Humphrey?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humphrey to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else13%
By hazard

What Humphrey faces

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

Inland flooding

88% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 2 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 Humphrey flood?

FEMA's records show no paid flood insurance claims in Humphrey.

of all homes
are insured
No community discount. Humphrey isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.
Disasters that hit Humphrey

7 federal disasters brought FEMA money here

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

Brought FEMA money into HumphreyDeclared for Cattaraugus County only
2009

Severe Storms and Flooding

$235K to the Town of Humphrey for repairs
2004

Severe Storms and Flooding

$57K to the Town of Humphrey for repairs
2003

Severe Storms, Flooding, and Tornadoes

$98K to the Town of Humphrey for repairs
2001

Snow

$5K to the Town of Humphrey for repairs
2000

Snow

$3K to the Town of Humphrey for repairs
2000

Severe Storms and Flooding

$45K to the Town of Humphrey for repairs
1999

Snow

$3K to the Town of Humphrey for repairs
Cattaraugus County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Humphrey

Humphrey and the towns around it

Great Valley: High, mostly inland floodingIschua: High, mostly inland floodingFranklinville: High, mostly inland floodingAllegany: High, mostly inland floodingHinsdale: Moderate, mostly inland floodingSalamanca: Moderate, mostly inland floodingLittle Valley: High, mostly inland floodingCarrollton: Moderate, mostly inland floodingEllicottville: High, mostly inland floodingSalamanca: High, mostly inland floodingLyndon: High, mostly inland floodingCuba: High, mostly inland floodingMachias: High, mostly inland floodingOlean: Moderate, mostly inland floodingOlean: Low, mostly inland floodingPortville: Moderate, mostly inland floodingClarksville: High, mostly inland floodingHumphrey: High, mostly inland flooding HumphreyGreat ValleyIschuaFranklinvilleAlleganyHinsdale
Very lowLowModerateHighVery high
Humphreymostly inland floodingHigh
Great Valleymostly inland floodingHigh
Ischuamostly inland floodingHigh
Franklinvillemostly inland floodingHigh
Alleganymostly inland floodingHigh
Hinsdalemostly inland floodingModerate
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. Humphrey 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 Humphrey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Humphrey. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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