Natural hazards · Oswegatchie

Oswegatchie, NY natural hazards

Most of the natural-hazard damage FEMA expects in Oswegatchie comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oswegatchie?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oswegatchie to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves15%Earthquakes6%Everything else7%

By hazard

What Oswegatchie faces

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

Inland flooding

72% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 68% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Oswegatchie flood?

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

8paid claims since 1979

$83Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Oswegatchie

1 federal disaster brought FEMA money here

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

Brought FEMA money into OswegatchieDeclared for St. Lawrence County only

1999

Snow

$7K to the Town of Oswegatchie for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Oswegatchie

Oswegatchie and the towns around it

Very lowLowModerateHighVery high

Oswegatchiemostly inland floodingModerate

Morristownmostly inland floodingModerate

Ogdensburgmostly inland floodingModerate

Cantonmostly inland floodingLow

De Peystermostly inland floodingLow

De Kalbmostly inland floodingLow

Lisbonmostly 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. Oswegatchie covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oswegatchie’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oswegatchie. 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 Oswegatchie total about $1.3M 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.