Natural hazards · Locke

Locke, NY natural hazards

Most of the natural-hazard damage FEMA expects in Locke comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 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 Locke?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Locke to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Locke 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 93% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Locke flood?

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

10paid claims since 1979

$120Kpaid to owners

2homes flooded more than once

19792026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cayuga County.

Disasters that hit Locke

3 federal disasters brought FEMA money here

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

Brought FEMA money into LockeDeclared for Cayuga County only

2005

Severe Storms and Flooding

$32K to the Town of Locke for repairs

2004

Snow

$10K to the Town of Locke for repairs

2003

Ice Storm

1 household applied for aid $2K aid approved

Cayuga County has had 15 natural disasters declared since 1953, most often floods and hurricanes.

Around Locke

Locke and the towns around it

Very lowLowModerateHighVery high

Lockemostly inland floodingHigh

Summerhillmostly inland floodingHigh

Moraviamostly inland floodingHigh

Grotonmostly inland floodingModerate

Lansingmostly inland floodingVery low

Genoamostly 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. Locke 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 Locke’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Locke. 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.