Natural hazards · Smithville

Smithville, NY natural hazards

Most of the natural-hazard damage FEMA expects in Smithville comes from inland flooding, and overall the risk is high for a U.S. community. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Smithville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithville to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding84%Cold waves5%Everything else10%

By hazard

What Smithville faces

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

Inland flooding

84% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Smithville flood?

FEMA's records show no paid flood insurance claims in Smithville.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chenango County.

Disasters that hit Smithville

12 federal disasters brought FEMA money here

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

Brought FEMA money into SmithvilleDeclared for Chenango County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$303K to the Town of Smithville for repairs

2018

Severe Storms and Flooding

$30K to the Town of Smithville for repairs

2017

Severe Winter Storm and Snowstorm

$13K to the Town of Smithville for repairs

2013

Severe Storms and Flooding

$75K to the Town of Smithville for repairs

2011

Remnants of Tropical Storm Lee

$129K to the Town of Smithville for repairs

2009

Severe Storms and Flooding

$76K to the Town of Smithville for repairs

2006

Severe Storms and Flooding

$233K to the Town of Smithville for repairs

2005

Severe Storms and Flooding

$40K to the Town of Smithville for repairs

2004

Tropical Depression Ivan

$13K to the Town of Smithville for repairs

2003

Snow

$3K to the Town of Smithville for repairs

2002

Snowstorms

$7K to the Town of Smithville for repairs

2000

Severe Storms and Flooding

$21K to the Town of Smithville for repairs

Chenango County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Smithville

Smithville and the towns around it

Very lowLowModerateHighVery high

Oxfordmostly inland floodingHigh

Smithvillemostly inland floodingHigh

Greenemostly inland floodingHigh

Willetmostly inland floodingHigh

Germanmostly inland floodingModerate

McDonoughmostly inland floodingModerate

Trianglemostly inland floodingModerate

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. Smithville 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 Smithville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Smithville. 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.