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Natural hazards · Jefferson

Jefferson, NY natural hazards

Most of the natural-hazard damage FEMA expects in Jefferson comes from inland flooding, and overall the risk is high for a U.S. community. 12 federal disasters brought FEMA money into town.

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

How exposed is Jefferson?

71
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jefferson to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
By hazard

What Jefferson 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 89% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Jefferson flood?

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

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

12 federal disasters brought FEMA money here

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

Brought FEMA money into JeffersonDeclared for Schoharie County only
2017

Severe Winter Storm and Snowstorm

$12K to the Town of Jefferson for repairs
2011

Hurricane Irene

8 households applied for aid $2K aid approved $325K to the Town of Jefferson for repairs
2010

Severe Storms and Flooding

$30K to the Town of Jefferson for repairs
2008

Severe Winter Storm

$73K to the Town of Jefferson for repairs
2007

Severe Storms and Inland and Coastal Flooding

$91K to the Town of Jefferson for repairs
2006

Severe Storms and Flooding

5 households applied for aid $3K aid approved $121K to the Town of Jefferson for repairs
2005

Severe Storms and Flooding

2 households applied for aid $9K aid approved $54K to the Town of Jefferson for repairs
2004

Tropical Depression Ivan

$77K to the Town of Jefferson for repairs
2004

Severe Storms and Flooding

$38K to the Town of Jefferson for repairs
2003

Snow

$4K to the Town of Jefferson for repairs
2002

Snowstorms

$9K to the Town of Jefferson for repairs
2000

Severe Storms and Flooding

$20K to the Town of Jefferson for repairs
Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Jefferson

Jefferson and the towns around it

Summit: High, mostly inland floodingBlenheim: High, mostly inland floodingHarpersfield: Moderate, mostly inland floodingWorcester: Very high, mostly inland floodingRichmondville: High, mostly inland floodingFulton: High, mostly inland floodingGilboa: Moderate, mostly inland floodingStamford: High, mostly inland floodingDavenport: High, mostly inland floodingMaryland: High, mostly inland floodingStamford: High, mostly inland floodingKortright: High, mostly inland floodingJefferson: High, mostly inland flooding JeffersonSummitBlenheimHarpersfield
Very lowLowModerateHighVery high
Jeffersonmostly inland floodingHigh
Blenheimmostly inland floodingHigh
Summitmostly inland floodingHigh
Harpersfieldmostly 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. Jefferson 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 Jefferson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Jefferson. 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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