Natural hazards · Richford

Richford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Richford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1981. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Richford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richford to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Richford faces

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

Inland flooding

86% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times 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 Richford flood?

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

1paid claims since 1981

$2Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tioga County.

Disasters that hit Richford

8 federal disasters brought FEMA money here

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

Brought FEMA money into RichfordDeclared for Tioga County only

2021

Remnants of Tropical Storm Fred

$725K to the Town of Richford for repairs

2019

Severe Storms, Straight-Line Winds, and Flooding

$183K to the Town of Richford for repairs

2017

Severe Winter Storm and Snowstorm

$19K to the Town of Richford for repairs

2011

Remnants of Tropical Storm Lee

6 households applied for aid $10K aid approved $8K to the Town of Richford for repairs

2006

Severe Storms and Flooding

3 households applied for aid $8K aid approved $22K to the Town of Richford for repairs

2005

Severe Storms and Flooding

2 households applied for aid $6K aid approved $19K to the Town of Richford for repairs

2004

Tropical Depression Ivan

$58K to the Town of Richford for repairs

2002

Snowstorms

$12K to the Town of Richford for repairs

Tioga County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Richford

Richford and the towns around it

Very lowLowModerateHighVery high

Carolinemostly inland floodingHigh

Lislemostly inland floodingHigh

Richfordmostly inland floodingHigh

Berkshiremostly inland floodingHigh

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. Richford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Richford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Richford. 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 Richford total about $800K 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.