Natural hazards · Morristown

Morristown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Morristown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2014. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Morristown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morristown to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves13%Everything else11%

By hazard

What Morristown faces

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

Inland flooding

76% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Morristown flood?

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

2paid claims since 2014

$3Kpaid to owners

0homes flooded more than once

20142026

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Morristown

1 federal disaster brought FEMA money here

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

Brought FEMA money into MorristownDeclared for St. Lawrence County only

1999

Snow

$5K to the Town of Morristown for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Morristown

Morristown and the towns around it

Very lowLowModerateHighVery high

Oswegatchiemostly inland floodingModerate

Morristownmostly inland floodingModerate

Macombmostly inland floodingModerate

Hammondmostly 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. Morristown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Morristown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Morristown. 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 Morristown total about $1.1M 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.