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Natural hazards · Oxford

Oxford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Oxford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

How exposed is Oxford?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxford to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Oxford 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 92% 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 Oxford flood?

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

9paid claims since 1979
$78Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Lee: 2 claims, $20K
  • Torrential rain: 1 claim, $8K

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. Oxford 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 Oxford

7 federal disasters brought FEMA money here

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

Brought FEMA money into OxfordDeclared for Chenango County only
2024

Remnants of Tropical Storm Debby

$617K to the Town of Oxford for repairs
2011

Remnants of Tropical Storm Lee

$597K to the Town of Oxford for repairs
2011

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

$48K to the Town of Oxford for repairs
2009

Severe Storms and Flooding

$61K to the Town of Oxford for repairs
2006

Severe Storms and Flooding

$797K to the Town of Oxford for repairs
2003

Snow

$7K to the Town of Oxford for repairs
2002

Snowstorms

$22K to the Town of Oxford for repairs
Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Oxford

Oxford and the towns around it

Guilford: High, mostly inland floodingCoventry: Very high, mostly inland floodingPreston: Moderate, mostly inland floodingSmithville: High, mostly inland floodingGreene: High, mostly inland floodingNorwich: High, mostly inland floodingButternuts: High, mostly inland floodingUnadilla: High, mostly inland floodingBainbridge: High, mostly inland floodingAfton: Very high, mostly inland floodingColesville: High, mostly inland floodingPlymouth: High, mostly inland floodingMcDonough: Moderate, mostly inland floodingTriangle: Moderate, mostly inland floodingWillet: High, mostly inland floodingGerman: Moderate, mostly inland floodingFenton: Moderate, mostly inland floodingBarker: High, mostly inland floodingNew Berlin: High, mostly inland floodingNorth Norwich: High, mostly inland floodingOxford: High, mostly inland flooding OxfordGuilfordCoventryPrestonSmithvilleGreeneNorwich
Very lowLowModerateHighVery high
Coventrymostly inland floodingVery high
Oxfordmostly inland floodingHigh
Guilfordmostly inland floodingHigh
Norwichmostly inland floodingHigh
Smithvillemostly inland floodingHigh
Greenemostly 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. Oxford is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Oxford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oxford. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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