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Natural hazards · Rathbone

Rathbone, NY natural hazards

Most of the natural-hazard damage FEMA expects in Rathbone comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Rathbone?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rathbone to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes5%Everything else14%
By hazard

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

Tornadoes

5% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once every 43 years in the area

Lower here

HurricanesHailIce 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 Rathbone flood?

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

of all homes
are insured
No community discount. Rathbone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steuben County.
Disasters that hit Rathbone

5 federal disasters brought FEMA money here

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

Brought FEMA money into RathboneDeclared for Steuben County only
2021

Remnants of Tropical Storm Fred

$2.7M to the Town of Rathbone for repairs
2014

Severe Storms and Flooding

$183K to the Town of Rathbone for repairs
2011

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

$19K to the Town of Rathbone for repairs
2004

Severe Storms and Flooding

$113K to the Town of Rathbone for repairs
2003

Severe Storms, Flooding, and Tornadoes

$271K to the Town of Rathbone for repairs
Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Rathbone

Rathbone and the towns around it

Addison: High, mostly inland floodingCameron: Moderate, mostly inland floodingWoodhull: High, mostly inland floodingTuscarora: High, mostly inland floodingErwin: High, mostly inland floodingThurston: Moderate, mostly inland floodingCanisteo: High, mostly inland floodingJasper: High, mostly inland floodingBath: Low, mostly inland floodingTroupsburg: High, mostly inland floodingLindley: Moderate, mostly inland floodingRathbone: Moderate, mostly inland flooding RathboneAddisonCameronWoodhullTuscarora
Very lowLowModerateHighVery high
Addisonmostly inland floodingHigh
Woodhullmostly inland floodingHigh
Tuscaroramostly inland floodingHigh
Rathbonemostly inland floodingModerate
Cameronmostly 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. Rathbone 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 Rathbone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rathbone. 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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