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Natural hazards · Pharsalia

Pharsalia, NY natural hazards

Most of the natural-hazard damage FEMA expects in Pharsalia comes from inland flooding, and overall the risk is moderate for a U.S. community. 9 federal disasters brought FEMA money into town.

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

How exposed is Pharsalia?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pharsalia to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves6%Tornadoes5%Everything else7%
By hazard

What Pharsalia faces

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

Inland flooding

82% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 2 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

5% of expected damage
Below average · higher than 43% of U.S. places
Recorded about once every 37 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Pharsalia flood?

FEMA's records show no paid flood insurance claims in Pharsalia.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Pharsalia 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 Pharsalia

9 federal disasters brought FEMA money here

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

Brought FEMA money into PharsaliaDeclared for Chenango County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$76K to the Town of Pharsalia for repairs
2018

Severe Storms and Flooding

$107K to the Town of Pharsalia for repairs
2017

Severe Winter Storm and Snowstorm

$6K to the Town of Pharsalia for repairs
2011

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

$89K to the Town of Pharsalia for repairs
2006

Severe Storms and Flooding

$28K to the Town of Pharsalia for repairs
2005

Severe Storms and Flooding

$25K to the Town of Pharsalia for repairs
2003

Ice Storm

$58K to the Town of Pharsalia for repairs
2003

Snow

$2K to the Town of Pharsalia for repairs
2002

Snowstorms

$6K to the Town of Pharsalia for repairs
Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Pharsalia

Pharsalia and the towns around it

McDonough: Moderate, mostly inland floodingOtselic: High, mostly inland floodingPlymouth: High, mostly inland floodingPitcher: Moderate, mostly inland floodingPreston: Moderate, mostly inland floodingGerman: Moderate, mostly inland floodingSmithville: High, mostly inland floodingSmyrna: High, mostly inland floodingLincklaen: High, mostly inland floodingGeorgetown: Moderate, mostly inland floodingNorth Norwich: High, mostly inland floodingTaylor: High, mostly inland floodingPharsalia: Moderate, mostly inland flooding PharsaliaMcDonoughOtselicPlymouthPitcher
Very lowLowModerateHighVery high
Plymouthmostly inland floodingHigh
Otselicmostly inland floodingHigh
Pharsaliamostly inland floodingModerate
Pitchermostly inland floodingModerate
McDonoughmostly 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. Pharsalia covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Pharsalia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pharsalia. 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 Pharsalia total about $738K 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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