Natural hazards · Naples

Naples, NY natural hazards

Most of the natural-hazard damage FEMA expects in Naples comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Naples?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naples to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding90%Everything else10%

By hazard

What Naples faces

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

Inland flooding

90% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Naples flood?

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

8paid claims since 1979

$219Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Floyd: 1 claim, $27K
April 2007 Nor'easter: 1 claim, $51K
March 2010 Nor'easter: 1 claim, $22K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Ontario County.

Disasters that hit Naples

2 federal disasters brought FEMA money here

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

Brought FEMA money into NaplesDeclared for Ontario County only

2003

Ice Storm

1 household applied for aid

1999

Snow

$3K to the Village of Naples for repairs

Ontario County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Naples 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 Naples’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Naples. 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.