Munnsville is calmer than 71% of U.S. communities
Most of the natural-hazard damage FEMA expects in Munnsville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1991. 1 federal disaster brought FEMA money into town.
What stands out about Munnsville’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Munnsville?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 29% of U.S. communities, mostly from inland flooding.
Calmer than 967 of the 1,524 New York towns we cover.
Munnsville is smaller than a census tract, so it shares the figures of the tract around its center.
What Munnsville faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Does Munnsville flood? Rarely: 5 flood claims since 1991
Every paid claim on a federal flood insurance policy in Munnsville, from FEMA’s records.
- Hurricane Sandy2 claims · $273K
- The “Halloween” storm1 claim · $953
- The December Storm - nor’easter1 claim · $4K
Munnsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.1 federal disaster brought FEMA money to Munnsville
Disasters that paid out in Munnsville itself (aid to households or repair grants to the Village of Munnsville) and its biggest flood years.
- 2004Severe Storms and Flooding1 household applied for aid$5K aid approved
Madison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Munnsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Munnsville archive →Get ready for what Munnsville actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in April–June
The month each of Madison County’s 19 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Munnsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Munnsville.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Munnsville.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.