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Natural hazards · Lindley

Lindley, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lindley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 20 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

How exposed is Lindley?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lindley to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes6%Everything else14%
By hazard

What Lindley faces

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

Inland flooding

81% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

6% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once every 62 years in the area

Lower here

HurricanesHailIce 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 Lindley flood?

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

20paid claims since 1979
$239Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • December Storm - Nor'easter: 5 claims, $95K
  • Hurricane Gloria: 4 claims, $26K
  • The “Halloween” storm: 3 claims, $86K
of all homes
are insured
No community discount. Lindley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steuben County.
Disasters that hit Lindley

3 federal disasters brought FEMA money here

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

Brought FEMA money into LindleyDeclared for Steuben County only
2014

Severe Storms and Flooding

$138K to the Town of Lindley for repairs
2004

Severe Storms and Flooding

$30K to the Town of Lindley for repairs
2003

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $2K aid approved
Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Lindley

Lindley and the towns around it

Caton: Moderate, mostly inland floodingTuscarora: High, mostly inland floodingErwin: High, mostly inland floodingLawrence: High, mostly inland floodingSouthport: Low, mostly inland floodingCorning: Low, mostly inland floodingJackson: High, mostly inland floodingAddison: High, mostly inland floodingWoodhull: High, mostly inland floodingRathbone: Moderate, mostly inland floodingPainted Post: High, mostly inland floodingCampbell: Very high, mostly inland floodingHornby: Moderate, mostly inland floodingLawrenceville: High, mostly inland floodingLindley: Moderate, mostly inland flooding LindleyCatonTuscaroraErwinLawrence
Very lowLowModerateHighVery high
Tuscaroramostly inland floodingHigh
Lawrencemostly inland floodingHigh
Erwinmostly inland floodingHigh
Lindleymostly inland floodingModerate
Catonmostly 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. Lindley 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 Lindley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lindley. 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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