Natural hazards · Mohawk

Mohawk, NY natural hazards

Most of the natural-hazard damage FEMA expects in Mohawk comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 33 claims here since 1981. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mohawk?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mohawk to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Mohawk faces

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

Inland flooding

86% of expected damage

Well above average · higher than 87% 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 Mohawk flood?

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

33paid claims since 1981

$865Kpaid to owners

5homes flooded more than once

19812026

Biggest named events

Tropical Storm Lee: 2 claims, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured

No community discount. Mohawk 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.

What’s been done with FEMA grants

25flood-prone properties bought out and cleared

Disasters that hit Mohawk

8 federal disasters brought FEMA money here

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

Brought FEMA money into MohawkDeclared for Herkimer County only

2017

Severe Winter Storm and Snowstorm

$12K to the Village of Mohawk for repairs

2014

Severe Storms and Flooding

$38K to the Village of Mohawk for repairs

2013

Severe Storms and Flooding

$7.6M to the Village of Mohawk for repairs

2011

Remnants of Tropical Storm Lee

15 households applied for aid $3K aid approved $13K to the Village of Mohawk for repairs

2011

Hurricane Irene

42 households applied for aid $55K aid approved $11K to the Village of Mohawk for repairs

2006

Severe Storms and Flooding

228 households applied for aid $378K aid approved $92K to the Village of Mohawk for repairs

2002

Snowstorms

$7K to the Village of Mohawk for repairs

2000

Severe Storms and Flooding

$16K to the Village of Mohawk for repairs

Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Mohawk

Mohawk and the towns around it

Very lowLowModerateHighVery high

Ilionmostly inland floodingHigh

German Flattsmostly inland floodingHigh

Herkimermostly inland floodingHigh

Mohawkmostly inland floodingHigh

Herkimermostly inland floodingModerate

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. Mohawk covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mohawk’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mohawk. 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 Mohawk total about $781K 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.