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Natural hazards · Litchfield

Litchfield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Litchfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2011. 6 federal disasters brought FEMA money into town.

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

How exposed is Litchfield?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Litchfield to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%
By hazard

What Litchfield faces

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

Inland flooding

84% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 4 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 Litchfield flood?

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

3paid claims since 2011
$14Kpaid to owners
1homes flooded more than once
20112026

Biggest named events

  • Tropical Storm Lee: 1 claim, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into LitchfieldDeclared for Herkimer County only
2017

Severe Winter Storm and Snowstorm

$9K to the Town of Litchfield for repairs
2013

Severe Storms and Flooding

$28K to the Town of Litchfield for repairs
2011

Hurricane Irene

$44K to the Town of Litchfield for repairs
2006

Severe Storms and Flooding

$15K to the Town of Litchfield for repairs
2002

Snowstorms

$6K to the Town of Litchfield for repairs
2000

Severe Storms and Flooding

$31K to the Town of Litchfield for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Litchfield

Litchfield and the towns around it

Paris: Very low, mostly inland floodingFrankfort: Moderate, mostly inland floodingColumbia: Moderate, mostly inland floodingWinfield: Moderate, mostly inland floodingNew Hartford: Low, mostly inland floodingMarshall: Low, mostly inland floodingKirkland: Moderate, mostly inland floodingBridgewater: Moderate, mostly inland floodingSchuyler: Very low, mostly inland floodingFrankfort: High, mostly inland floodingUtica: Very low, mostly inland floodingHerkimer: Moderate, mostly inland floodingGerman Flatts: High, mostly inland floodingIlion: High, mostly inland floodingWarren: Moderate, mostly inland floodingRichfield: High, mostly inland floodingPlainfield: High, mostly inland floodingWhitestown: Low, mostly inland floodingNew Hartford: Low, mostly inland floodingNew York Mills: Very low, mostly inland floodingLitchfield: Moderate, mostly inland flooding LitchfieldParisFrankfortColumbiaWinfieldNew Hartford
Very lowLowModerateHighVery high
Litchfieldmostly inland floodingModerate
Columbiamostly inland floodingModerate
Winfieldmostly inland floodingModerate
Frankfortmostly inland floodingModerate
New Hartfordmostly inland floodingLow
Parismostly inland floodingVery low
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. Litchfield 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 Litchfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Litchfield. 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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