Natural hazards · Roxbury

Roxbury, NY natural hazards

Most of the natural-hazard damage FEMA expects in Roxbury comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1980. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roxbury?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roxbury to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%

By hazard

What Roxbury faces

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

Inland flooding

87% of expected damage

Well above average · higher than 93% 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 Roxbury flood?

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

7paid claims since 1980

$89Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Roxbury

12 federal disasters brought FEMA money here

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

Brought FEMA money into RoxburyDeclared for Delaware County only

2024

Remnants of Tropical Storm Debby

$1.8M to the Town of Roxbury for repairs

2018

Severe Storms and Flooding

$75K to the Town of Roxbury for repairs

2017

Severe Winter Storm and Snowstorm

$31K to the Town of Roxbury for repairs

2011

Remnants of Tropical Storm Lee

2 households applied for aid $5K aid approved

2011

Hurricane Irene

63 households applied for aid $185K aid approved $855K to the Town of Roxbury for repairs

2008

Severe Winter Storm

$64K to the Town of Roxbury for repairs

2006

Severe Storms and Flooding

1 household applied for aid $104K to the Town of Roxbury for repairs

2005

Severe Storms and Flooding

1 household applied for aid $5K aid approved $41K to the Town of Roxbury for repairs

2004

Severe Storms and Flooding

$829 to the Town of Roxbury for repairs

2003

Severe Storms, Flooding, and Tornadoes

2 households applied for aid

2003

Snow

$14K to the Town of Roxbury for repairs

2002

Snowstorms

$33K to the Town of Roxbury for repairs

Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.

Around Roxbury

Roxbury and the towns around it

Very lowLowModerateHighVery high

Prattsvillemostly inland floodingVery high

Roxburymostly inland floodingHigh

Middletownmostly inland floodingHigh

Halcottmostly inland floodingHigh

Stamfordmostly inland floodingHigh

Bovinamostly 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. Roxbury covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Roxbury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Roxbury. 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 Roxbury total about $2.2M 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.