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Natural hazards · Napoli

Napoli, NY natural hazards

Most of the natural-hazard damage FEMA expects in Napoli comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1980. 7 federal disasters brought FEMA money into town.

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

How exposed is Napoli?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Napoli to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
By hazard

What Napoli faces

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

Inland flooding

88% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 2 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 Napoli flood?

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

2paid claims since 1980
$44Kpaid to owners
0homes flooded more than once
19802026
of all homes
are insured
No community discount. Napoli isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.
Disasters that hit Napoli

7 federal disasters brought FEMA money here

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

Brought FEMA money into NapoliDeclared for Cattaraugus County only
2014

Severe Storms and Flooding

$195K to the Town of Napoli for repairs
2009

Severe Storms and Flooding

$38K to the Town of Napoli for repairs
2003

Severe Storms, Flooding, and Tornadoes

$13K to the Town of Napoli for repairs
2001

Snow

$8K to the Town of Napoli for repairs
2000

Snow

$4K to the Town of Napoli for repairs
2000

Severe Storms and Flooding

$10K to the Town of Napoli for repairs
1999

Snow

$3K to the Town of Napoli for repairs
Cattaraugus County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.
Around Napoli

Napoli and the towns around it

Conewango: High, mostly inland floodingNew Albion: Low, mostly inland floodingColdspring: Moderate, mostly inland floodingLittle Valley: High, mostly inland floodingLeon: Low, mostly inland floodingEllington: High, mostly inland floodingRandolph: High, mostly inland floodingPoland: High, mostly inland floodingPersia: High, mostly inland floodingMansfield: High, mostly inland floodingRed House: Moderate, mostly inland floodingSouth Valley: High, mostly inland floodingGreat Valley: High, mostly inland floodingSalamanca: High, mostly inland floodingSalamanca: Moderate, mostly inland floodingNapoli: High, mostly inland flooding NapoliConewangoNew AlbionColdspringLittle Valley
Very lowLowModerateHighVery high
Napolimostly inland floodingHigh
Little Valleymostly inland floodingHigh
Conewangomostly inland floodingHigh
Coldspringmostly inland floodingModerate
New Albionmostly inland floodingLow
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. Napoli covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Napoli’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Napoli. 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 Napoli total about $1.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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