Natural hazards · Pendleton

Pendleton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Pendleton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1989. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pendleton?

High

vs. U.S. communities

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

Inland flooding91%Everything else9%

By hazard

What Pendleton faces

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

Inland flooding

91% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Pendleton flood?

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

4paid claims since 1989

$115Kpaid to owners

0homes flooded more than once

19892026

Biggest named events

Hurricane Sandy: 1 claim, $88K
Hurricane Irene: 1 claim, $11K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Niagara County.

Disasters that hit Pendleton

6 federal disasters brought FEMA money here

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

Brought FEMA money into PendletonDeclared for Niagara County only

2022

Severe Winter Storm and Snowstorm

$50K to the Town of Pendleton for repairs

2011

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

$4K to the Town of Pendleton for repairs

2006

Severe Storms and Flooding

$50K to the Town of Pendleton for repairs

2004

Severe Storms and Flooding

$31K to the Town of Pendleton for repairs

2001

Snow

$8K to the Town of Pendleton for repairs

1999

Snow

$5K to the Town of Pendleton for repairs

Niagara County has had 19 natural disasters declared since 1953, most often winter storms and floods.

Around Pendleton

Pendleton and the towns around it

Very lowLowModerateHighVery high

Pendletonmostly inland floodingHigh

Wheatfieldmostly inland floodingHigh

Lockportmostly inland floodingModerate

Amherstmostly inland floodingLow

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. Pendleton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pendleton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pendleton. 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 Pendleton total about $3.2M 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.