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Natural hazards · Richmond

Richmond, NY natural hazards

Most of the natural-hazard damage FEMA expects in Richmond comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 72 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

How exposed is Richmond?

20
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richmond to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding78%Tornadoes5%Strong wind5%Everything else12%
By hazard

What Richmond faces

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

Inland flooding

78% of expected damage
Below average · higher than 49% of U.S. places
Recorded about once a year in the area

Tornadoes

5% of expected damage
Below average · higher than 33% of U.S. places

Strong wind

5% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Richmond flood?

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

72paid claims since 1978
$2.5Mpaid to owners
10homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 11 claims, $1.7M
  • Not a named storm: 5 claims, $14K
  • December Storm - Nor'easter: 3 claims, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into RichmondDeclared for Ontario County only
2014

Severe Storms and Flooding

$78K to the Town of Richmond for repairs
2011

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

$167K to the Town of Richmond for repairs
2004

Severe Storms and Flooding

$49K to the Town of Richmond for repairs
2003

Severe Storms, Flooding, and Tornadoes

$34K to the Town of Richmond for repairs
2003

Ice Storm

$19K to the Town of Richmond for repairs
1999

Snow

$16K to the Town of Richmond for repairs
Ontario County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Richmond

Richmond and the towns around it

Canadice: Very low, mostly inland floodingBristol: Very low, mostly inland floodingWest Bloomfield: Very low, mostly inland floodingSouth Bristol: Low, mostly inland floodingLivonia: Low, mostly inland floodingConesus: High, mostly inland floodingSpringwater: Low, mostly inland floodingCanandaigua: Very low, mostly inland floodingEast Bloomfield: Very low, mostly inland floodingLima: Very low, mostly inland floodingMendon: Low, mostly inland floodingMiddlesex: High, mostly inland floodingNaples: High, mostly inland floodingItaly: High, mostly inland floodingGeneseo: Very low, mostly inland floodingRichmond: Low, mostly inland flooding RichmondCanadiceBristolWest BloomfieldSouth BristolLivonia
Very lowLowModerateHighVery high
Livoniamostly inland floodingLow
South Bristolmostly inland floodingLow
Richmondmostly inland floodingLow
Canadicemostly inland floodingVery low
Bristolmostly inland floodingVery low
West Bloomfieldmostly 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. Richmond covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Richmond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Richmond. 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 Richmond total about $941K 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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