Natural hazards · Malone

Malone, NY natural hazards

Most of the natural-hazard damage FEMA expects in Malone comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Malone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Malone to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding73%Earthquakes10%Everything else17%

By hazard

What Malone faces

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

Inland flooding

73% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Earthquakes

10% of expected damage

Above average · higher than 74% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Malone flood?

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

7paid claims since 1979

$96Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Malone

4 federal disasters brought FEMA money here

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

Brought FEMA money into MaloneDeclared for Franklin County only

2024

Remnants of Tropical Storm Debby

$214K to the Town of Malone for repairs

2017

Severe Winter Storm and Snowstorm

$24K to the Town of Malone for repairs

2013

Severe Storms and Flooding

$54K to the Town of Malone for repairs

2011

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

$97K to the Town of Malone for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Malone

Malone and the towns around it

Very lowLowModerateHighVery high

Bellmontmostly inland floodingHigh

Duanemostly inland floodingHigh

Westvillemostly inland floodingModerate

Brandonmostly inland floodingLow

Malonemostly inland floodingLow

Bangormostly inland floodingLow

Constablemostly inland floodingLow

Burkemostly 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. Malone covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Malone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Malone. 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 Malone total about $3.4M 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.