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Natural hazards · Royalton

Royalton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Royalton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1998. 5 federal disasters brought FEMA money into town.

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

How exposed is Royalton?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Royalton to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding79%Cold waves5%Everything else16%
By hazard

What Royalton faces

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

Inland flooding

79% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

Cold waves

5% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Royalton flood?

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

10paid claims since 1998
$76Kpaid to owners
1homes flooded more than once
19982026

Biggest named events

  • Torrential rain: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into RoyaltonDeclared for Niagara County only
2022

Severe Winter Storm and Snowstorm

$485K to the Town of Royalton for repairs
2006

Severe Storms and Flooding

$100K to the Town of Royalton for repairs
2004

Severe Storms and Flooding

$9K to the Town of Royalton for repairs
2000

Severe Storms and Flooding

$7K to the Town of Royalton for repairs
1999

Snow

$14K to the Town of Royalton for repairs
Niagara County has had 19 natural disasters declared since 1953, most often winter storms and floods.
Around Royalton

Royalton and the towns around it

Newstead: Low, mostly inland floodingClarence: Low, mostly inland floodingLockport: Moderate, mostly inland floodingHartland: Very low, mostly inland floodingShelby: Very low, mostly inland floodingAlabama: Moderate, mostly inland floodingAlden: Very low, mostly inland floodingPembroke: Low, mostly inland floodingAmherst: Low, mostly inland floodingLancaster: Very low, mostly inland floodingCambria: Very low, mostly inland floodingNewfane: Very low, mostly inland floodingPendleton: High, mostly inland floodingSomerset: Very low, mostly inland floodingRidgeway: Very low, mostly inland floodingBarre: Very low, mostly inland floodingOakfield: Very low, mostly inland floodingRoyalton: Very low, mostly inland flooding RoyaltonNewsteadClarenceLockportHartlandShelbyAlabama
Very lowLowModerateHighVery high
Lockportmostly inland floodingModerate
Alabamamostly inland floodingModerate
Newsteadmostly inland floodingLow
Clarencemostly inland floodingLow
Royaltonmostly inland floodingVery low
Hartlandmostly inland floodingVery low
Shelbymostly 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. Royalton covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Royalton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Royalton. 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 Royalton total about $1.5M 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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