Natural hazards · Ogden

Ogden, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ogden comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 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 Ogden?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ogden to be higher than in 3% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding64%Cold waves20%Heat waves6%Tornadoes5%Everything else6%

By hazard

What Ogden faces

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

Inland flooding

64% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Heat waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Well below average · higher than 20% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Ogden flood?

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

6paid claims since 1979

$169Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Ogden

2 federal disasters brought FEMA money here

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

Brought FEMA money into OgdenDeclared for Monroe County only

2003

Ice Storm

$11K to the Town of Ogden for repairs

1999

Snow

$15K to the Town of Ogden for repairs

Monroe County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Ogden

Ogden and the towns around it

Very lowLowModerateHighVery high

Gatesmostly inland floodingVery low

Rigamostly inland floodingVery low

Bergenmostly inland floodingVery low

Parmamostly inland floodingVery low

Ogdenmostly inland floodingVery low

Swedenmostly inland floodingVery low

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. Ogden covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Ogden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ogden. 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 Ogden total about $2.7M 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.