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Natural hazards · Little Falls

Little Falls, NY natural hazards

Most of the natural-hazard damage FEMA expects in Little Falls comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 18 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Little Falls?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Little Falls to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%
By hazard

What Little Falls 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
Well above average · higher than 76% 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 Little Falls flood?

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

18paid claims since 1979
$549Kpaid to owners
3homes flooded more than once
19792026

Homes that flooded again and again

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

of all homes
are insured
No community discount. Little Falls 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 Little Falls

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Little Falls itself: aid to households, or repair grants to the City of Little Falls.

Brought FEMA money into Little FallsDeclared for Herkimer County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$28K to the City of Little Falls for repairs
2017

Severe Winter Storm and Snowstorm

$27K to the City of Little Falls for repairs
2014

Severe Storms and Flooding

$577K to the City of Little Falls for repairs
2013

Severe Storms and Flooding

$1.1M to the City of Little Falls for repairs
2011

Remnants of Tropical Storm Lee

3 households applied for aid $3K aid approved $77K to the City of Little Falls for repairs
2011

Hurricane Irene

17 households applied for aid $30K aid approved
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$12K to the City of Little Falls for repairs
2006

Severe Storms and Flooding

167 households applied for aid $238K aid approved $813K to the City of Little Falls for repairs
2004

Severe Storms and Flooding

$26K to the City of Little Falls for repairs
2002

Snowstorms

$32K to the City of Little Falls for repairs
2000

Severe Storms and Flooding

$129K to the City of Little Falls for repairs
Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Little Falls

Little Falls and the towns around it

Little Falls: Low, mostly inland floodingManheim: Low, mostly inland floodingDanube: Low, mostly inland floodingHerkimer: Moderate, mostly inland floodingGerman Flatts: High, mostly inland floodingStark: Low, mostly inland floodingFairfield: Moderate, mostly inland floodingOppenheim: High, mostly inland floodingSt. Johnsville: High, mostly inland floodingDolgeville: Low, mostly inland floodingSalisbury: Low, mostly inland floodingMinden: Very high, mostly inland floodingLittle Falls: Moderate, mostly inland flooding Little FallsLittle FallsManheimDanube
Very lowLowModerateHighVery high
Little Fallsmostly inland floodingModerate
Manheimmostly inland floodingLow
Little Fallsmostly inland floodingLow
Danubemostly inland floodingLow
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. Little Falls covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Little Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Little Falls. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Little Falls total about $1.4M a year, counting buildings, people and crops.

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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