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Natural hazards · Root

Root, NY natural hazards

Most of the natural-hazard damage FEMA expects in Root comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Root?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Root to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves6%Everything else14%
By hazard

What Root faces

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

Inland flooding

80% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 3 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Root flood?

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

5paid claims since 1979
$24Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Root isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.
Disasters that hit Root

6 federal disasters brought FEMA money here

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

Brought FEMA money into RootDeclared for Montgomery County only
2017

Severe Winter Storm and Snowstorm

$10K to the Town of Root for repairs
2013

Severe Storms and Flooding

$28K to the Town of Root for repairs
2011

Remnants of Tropical Storm Lee

$29K to the Town of Root for repairs
2011

Hurricane Irene

$6K to the Town of Root for repairs
2006

Severe Storms and Flooding

$31K to the Town of Root for repairs
2002

Snowstorms

$7K to the Town of Root for repairs
Montgomery County has had 20 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Root

Root and the towns around it

Mohawk: High, mostly inland floodingCanajoharie: High, mostly inland floodingPalatine: Moderate, mostly inland floodingCharleston: Low, mostly inland floodingGlen: Moderate, mostly inland floodingCarlisle: Low, mostly inland floodingSharon: Low, mostly inland floodingJohnstown: Low, mostly inland floodingAmsterdam: Low, mostly inland floodingFonda: High, mostly inland floodingFultonville: Moderate, mostly inland floodingFlorida: Low, mostly inland floodingJohnstown: Moderate, mostly inland floodingMinden: Very high, mostly inland floodingPalatine Bridge: Moderate, mostly inland floodingCanajoharie: High, mostly inland floodingNelliston: Moderate, mostly inland floodingCherry Valley: Moderate, mostly inland floodingFort Plain: Very high, mostly inland floodingEphratah: High, mostly inland floodingSt. Johnsville: High, mostly inland floodingDuanesburg: Very low, mostly inland floodingEsperance: High, mostly inland floodingCobleskill: Low, mostly inland floodingSeward: Low, mostly inland floodingRoseboom: High, mostly inland floodingRoot: Moderate, mostly inland flooding RootMohawkCanajohariePalatineCharlestonGlenCarlisleSharon
Very lowLowModerateHighVery high
Canajohariemostly inland floodingHigh
Mohawkmostly inland floodingHigh
Rootmostly inland floodingModerate
Glenmostly inland floodingModerate
Palatinemostly inland floodingModerate
Charlestonmostly inland floodingLow
Carlislemostly inland floodingLow
Sharonmostly 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. Root covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Root’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Root. 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 Root total about $1.8M 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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