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Natural hazards · Preble

Preble, NY natural hazards

Most of the natural-hazard damage FEMA expects in Preble comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

How exposed is Preble?

42
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Preble to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%
By hazard

What Preble faces

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

Inland flooding

81% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Preble flood?

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

3paid claims since 1981
$11Kpaid to owners
0homes flooded more than once
19812026

Biggest named events

  • Torrential rain: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Preble isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cortland County.
Disasters that hit Preble

4 federal disasters brought FEMA money here

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

Brought FEMA money into PrebleDeclared for Cortland County only
2021

Remnants of Tropical Storm Fred

$765K to the Town of Preble for repairs
2017

Severe Winter Storm and Snowstorm

$4K to the Town of Preble for repairs
2006

Severe Storms and Flooding

$21K to the Town of Preble for repairs
2005

Severe Storms and Flooding

2 households applied for aid $3K to the Town of Preble for repairs
Cortland County has had 15 natural disasters declared since 1953, most often severe storms and floods.
Around Preble

Preble and the towns around it

Homer: High, mostly inland floodingTully: Very low, mostly inland floodingScott: Moderate, mostly inland floodingTruxton: High, mostly inland floodingCortlandville: Moderate, mostly inland floodingSummerhill: High, mostly inland floodingFabius: Very low, mostly inland floodingOtisco: Very low, mostly inland floodingSpafford: Very low, mostly inland floodingSempronius: High, mostly inland floodingCuyler: High, mostly inland floodingSolon: High, mostly inland floodingPreble: Moderate, mostly inland flooding PrebleHomerTullyScottTruxton
Very lowLowModerateHighVery high
Homermostly inland floodingHigh
Truxtonmostly inland floodingHigh
Preblemostly inland floodingModerate
Scottmostly inland floodingModerate
Tullymostly inland floodingVery low
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. Preble covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Preble’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Preble. 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 Preble total about $732K 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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