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Natural hazards · Norwich

Norwich, NY natural hazards

Most of the natural-hazard damage FEMA expects in Norwich comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Norwich?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norwich to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
By hazard

What Norwich 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 91% 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 Norwich flood?

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

18paid claims since 1979
$1.7Mpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Lee: 7 claims, $776K
  • Torrential rain: 2 claims, $187K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Norwich isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chenango County.
Disasters that hit Norwich

9 federal disasters brought FEMA money here

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

Brought FEMA money into NorwichDeclared for Chenango County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$33K to the Town of Norwich for repairs
2017

Severe Winter Storm and Snowstorm

$18K to the Town of Norwich for repairs
2011

Remnants of Tropical Storm Lee

$51K to the Town of Norwich for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$15K to the Town of Norwich for repairs
2009

Severe Storms and Flooding

$51K to the Town of Norwich for repairs
2006

Severe Storms and Flooding

$633K to the Town of Norwich for repairs
2005

Severe Storms and Flooding

$24K to the Town of Norwich for repairs
2002

Snowstorms

$6K to the Town of Norwich for repairs
2000

Severe Storms and Flooding

$11K to the Town of Norwich for repairs
Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Norwich

Norwich and the towns around it

Butternuts: High, mostly inland floodingNew Berlin: High, mostly inland floodingPreston: Moderate, mostly inland floodingNorth Norwich: High, mostly inland floodingGuilford: High, mostly inland floodingOxford: High, mostly inland floodingMorris: High, mostly inland floodingUnadilla: High, mostly inland floodingOtego: Very high, mostly inland floodingPittsfield: Moderate, mostly inland floodingNew Berlin: High, mostly inland floodingColumbus: High, mostly inland floodingSherburne: High, mostly inland floodingPlymouth: High, mostly inland floodingMcDonough: Moderate, mostly inland floodingBainbridge: High, mostly inland floodingCoventry: Very high, mostly inland floodingSmithville: High, mostly inland floodingGreene: High, mostly inland floodingNorwich: High, mostly inland flooding NorwichButternutsNew BerlinPrestonNorth NorwichGuilfordOxford
Very lowLowModerateHighVery high
Oxfordmostly inland floodingHigh
North Norwichmostly inland floodingHigh
Norwichmostly inland floodingHigh
Butternutsmostly inland floodingHigh
Guilfordmostly inland floodingHigh
New Berlinmostly inland floodingHigh
Prestonmostly 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. Norwich covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Norwich’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Norwich. 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 Norwich total about $2.3M 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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