Natural hazards · Lima

Lima, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lima comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lima?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lima to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves7%Drought6%Tornadoes6%Everything else17%

By hazard

What Lima 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

Well below average · higher than 13% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 3 times a year in the area

Drought

6% of expected damage

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 29% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lima flood?

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

of all homes
are insured

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

Insurance rates: Livingston County.

Disasters that hit Lima

2 federal disasters brought FEMA money here

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

Brought FEMA money into LimaDeclared for Livingston County only

2003

Ice Storm

$9K to the Village of Lima for repairs

1999

Snow

$2K to the Village of Lima for repairs

Livingston County has had 16 natural disasters declared since 1953, most often severe storms and floods.

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