Natural hazards · Northampton

Northampton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Northampton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Northampton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northampton to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves7%Everything else14%

By hazard

What Northampton faces

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

Inland flooding

79% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Cold waves

7% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Northampton flood?

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

1paid claims since 1981

$2Kpaid to owners

0homes flooded more than once

19812026

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Northampton

4 federal disasters brought FEMA money here

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

Brought FEMA money into NorthamptonDeclared for Fulton County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$31K to the Town of Northampton for repairs

2017

Severe Winter Storm and Snowstorm

$8K to the Town of Northampton for repairs

2006

Severe Storms and Flooding

$23K to the Town of Northampton for repairs

2002

Snowstorms

$2K to the Town of Northampton for repairs

Fulton County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Northampton

Northampton and the towns around it

Very lowLowModerateHighVery high

Hopemostly inland floodingVery high

Bensonmostly inland floodingVery high

Broadalbinmostly inland floodingModerate

Northamptonmostly inland floodingModerate

Mayfieldmostly inland floodingLow

Edinburgmostly 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. Northampton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Northampton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Northampton. 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 Northampton total about $1.2M 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.