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Natural hazards · Smithfield

Smithfield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Smithfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2000. 5 federal disasters brought FEMA money into town.

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

How exposed is Smithfield?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithfield to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes7%Everything else18%
By hazard

What Smithfield faces

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

Inland flooding

75% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once a year in the area

Tornadoes

7% of expected damage
Below average · higher than 36% of U.S. places
Recorded about once every 80 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Smithfield flood?

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

1paid claims since 2000
$1Kpaid to owners
0homes flooded more than once
20002026
of all homes
are insured
No community discount. Smithfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.
Disasters that hit Smithfield

5 federal disasters brought FEMA money here

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

Brought FEMA money into SmithfieldDeclared for Madison County only
2017

Severe Winter Storm and Snowstorm

$4K to the Town of Smithfield for repairs
2006

Severe Storms and Flooding

$8K to the Town of Smithfield for repairs
2003

Ice Storm

$8K to the Town of Smithfield for repairs
2002

Snowstorms

$5K to the Town of Smithfield for repairs
2000

Severe Storms and Flooding

$36K to the Town of Smithfield for repairs
Madison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Smithfield

Smithfield and the towns around it

Stockbridge: Low, mostly inland floodingFenner: Moderate, mostly inland floodingLincoln: Moderate, mostly inland floodingVernon: Moderate, mostly inland floodingOneida: High, mostly inland floodingAugusta: Low, mostly inland floodingEaton: Moderate, mostly inland floodingCazenovia: Low, mostly inland floodingNelson: Very low, mostly inland floodingSullivan: High, mostly inland floodingLenox: Low, mostly inland floodingSmithfield: Low, mostly inland flooding SmithfieldStockbridgeFennerLincoln
Very lowLowModerateHighVery high
Fennermostly inland floodingModerate
Lincolnmostly inland floodingModerate
Smithfieldmostly inland floodingLow
Stockbridgemostly 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. Smithfield 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 Smithfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Smithfield. 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.

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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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