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Natural hazards · Otselic

Otselic, NY natural hazards

Most of the natural-hazard damage FEMA expects in Otselic comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2005. 7 federal disasters brought FEMA money into town.

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

How exposed is Otselic?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otselic to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Otselic faces

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

Inland flooding

86% of expected damage
Well above average · higher than 88% 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 Otselic flood?

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

1paid claims since 2005
$11Kpaid to owners
0homes flooded more than once
20052026

Biggest named events

  • Torrential rain: 1 claim, $11K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Otselic 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 Otselic

7 federal disasters brought FEMA money here

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

Brought FEMA money into OtselicDeclared for Chenango County only
2011

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

$40K to the Town of Otselic for repairs
2006

Severe Storms and Flooding

1 household applied for aid $3K aid approved $22K to the Town of Otselic for repairs
2005

Severe Storms and Flooding

$27K to the Town of Otselic for repairs
2003

Ice Storm

$10K to the Town of Otselic for repairs
2003

Snow

$2K to the Town of Otselic for repairs
2002

Snowstorms

$2K to the Town of Otselic for repairs
2000

Severe Storms and Flooding

$2K to the Town of Otselic for repairs
Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Otselic

Otselic and the towns around it

Pharsalia: Moderate, mostly inland floodingSmyrna: High, mostly inland floodingLincklaen: High, mostly inland floodingGeorgetown: Moderate, mostly inland floodingMcDonough: Moderate, mostly inland floodingPlymouth: High, mostly inland floodingPitcher: Moderate, mostly inland floodingLebanon: Moderate, mostly inland floodingSherburne: High, mostly inland floodingDeRuyter: Moderate, mostly inland floodingNelson: Very low, mostly inland floodingOtselic: High, mostly inland flooding OtselicPharsaliaSmyrnaLincklaenGeorgetown
Very lowLowModerateHighVery high
Otselicmostly inland floodingHigh
Lincklaenmostly inland floodingHigh
Smyrnamostly inland floodingHigh
Pharsaliamostly inland floodingModerate
Georgetownmostly 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. Otselic covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Otselic’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Otselic. 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 Otselic total about $1.1M 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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