Natural hazards · Phoenix

Phoenix, NY natural hazards

Most of the natural-hazard damage FEMA expects in Phoenix comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1983. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Phoenix?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phoenix to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else14%

By hazard

What Phoenix faces

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

Inland flooding

87% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once 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 Phoenix flood?

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

1paid claims since 1983

$624paid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Oswego County.

Disasters that hit Phoenix

4 federal disasters brought FEMA money here

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

Brought FEMA money into PhoenixDeclared for Oswego County only

2024

Severe Storm and Flooding

$3K to the Village of Phoenix for repairs

2007

Record Snow and Near Record Snow

$2K to the Village of Phoenix for repairs

2004

Snow

$5K to the Village of Phoenix for repairs

2003

Ice Storm

110 households applied for aid $63K aid approved $57K to the Village of Phoenix for repairs

Oswego County has had 17 natural disasters declared since 1953, most often floods and winter storms.

Around Phoenix

Phoenix and the towns around it

Very lowLowModerateHighVery high

Phoenixmostly inland floodingHigh

Schroeppelmostly inland floodingHigh

Lysandermostly 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. Phoenix covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Phoenix’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Phoenix. 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 Phoenix total about $692K 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.