Natural hazards · Silver Creek

Silver Creek, NY natural hazards

Most of the natural-hazard damage FEMA expects in Silver Creek comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 71 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Silver Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Silver Creek to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding82%Tornadoes6%Everything else12%

By hazard

What Silver Creek faces

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

Inland flooding

82% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 34% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Silver Creek flood?

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

71paid claims since 1978

$1.6Mpaid to owners

13homes flooded more than once

19782026

Biggest named events

Late summer storms: 6 claims, $661K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Chautauqua County.

Disasters that hit Silver Creek

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Silver Creek itself: aid to households, or repair grants to the Village of Silver Creek.

Brought FEMA money into Silver CreekDeclared for Chautauqua County only

2014

Severe Winter Storm, Snowstorm, and Flooding

$13K to the Village of Silver Creek for repairs

2014

Severe Storms and Flooding

$9K to the Village of Silver Creek for repairs

2009

Severe Storms and Flooding

283 households applied for aid $1.8M aid approved $1.8M to the Village of Silver Creek for repairs

2005

Severe Storms and Flooding

$4K to the Village of Silver Creek for repairs

2001

Snow

$12K to the Village of Silver Creek for repairs

2000

Snow

$4K to the Village of Silver Creek for repairs

1999

Snow

$6K to the Village of Silver Creek for repairs

Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Silver Creek

Silver Creek and the towns around it

Very lowLowModerateHighVery high

Hanovermostly inland floodingModerate

Silver Creekmostly inland floodingModerate

Sheridanmostly 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. Silver Creek is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Silver Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Silver Creek. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.