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 very low for a U.S. community. Flood insurance has paid 3 claims here since 1984. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Malone?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Malone to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding66%Earthquakes13%Cold waves6%Everything else16%

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

66% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Earthquakes

13% of expected damage

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

Cold waves

6% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Malone flood?

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

3paid claims since 1984

$13Kpaid to owners

0homes flooded more than once

19842026

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.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared

Disasters that hit Malone

2 federal disasters brought FEMA money here

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

Brought FEMA money into MaloneDeclared for Franklin County only

2024

Remnants of Tropical Storm Debby

$22K to the Village of Malone for repairs

2017

Severe Winter Storm and Snowstorm

$16K to the Village of Malone for repairs

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

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 1 census tract, 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 Village 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 $681K 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.