Natural hazards · Montezuma

Montezuma, NY natural hazards

Most of the natural-hazard damage FEMA expects in Montezuma comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1993.

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

Expected damage

How exposed is Montezuma?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montezuma to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding80%Everything else20%

By hazard

What Montezuma faces

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

Inland flooding

80% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Montezuma flood?

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

5paid claims since 1993

$18Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Montezuma 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 Montezuma

Federal disasters declared here

None of the disasters declared for Cayuga County shows FEMA aid or repair money reaching Montezuma itself in FEMA’s records.

Brought FEMA money into MontezumaDeclared for Cayuga County only

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

Around Montezuma

Montezuma and the towns around it

Very lowLowModerateHighVery high

Conquestmostly inland floodingHigh

Mentzmostly inland floodingHigh

Montezumamostly inland floodingModerate

Throopmostly inland floodingModerate

Savannahmostly inland floodingLow

Aureliusmostly inland floodingLow

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