Natural hazards · Smyrna

Smyrna, NY natural hazards

Most of the natural-hazard damage FEMA expects in Smyrna comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1993. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Smyrna?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smyrna to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding85%Cold waves5%Everything else10%

By hazard

What Smyrna faces

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

Inland flooding

85% of expected damage

Well above average · higher than 86% 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 Smyrna flood?

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

3paid claims since 1993

$56Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Smyrna 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 Smyrna

12 federal disasters brought FEMA money here

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

Brought FEMA money into SmyrnaDeclared for Chenango County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$2.9M to the Town of Smyrna for repairs

2018

Severe Storms and Flooding

$379K to the Town of Smyrna for repairs

2017

Severe Winter Storm and Snowstorm

$12K to the Town of Smyrna for repairs

2013

Severe Storms and Flooding

$34K to the Town of Smyrna for repairs

2011

Remnants of Tropical Storm Lee

$6K to the Town of Smyrna for repairs

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$62K to the Town of Smyrna for repairs

2006

Severe Storms and Flooding

$124K to the Town of Smyrna for repairs

2005

Severe Storms and Flooding

$58K to the Town of Smyrna for repairs

2004

Tropical Depression Ivan

$43K to the Town of Smyrna for repairs

2003

Ice Storm

$18K to the Town of Smyrna for repairs

2003

Snow

$3K to the Town of Smyrna for repairs

2002

Snowstorms

$6K to the Town of Smyrna for repairs

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

Around Smyrna

Smyrna and the towns around it

Very lowLowModerateHighVery high

Sherburnemostly inland floodingHigh

Plymouthmostly inland floodingHigh

Otselicmostly inland floodingHigh

Smyrnamostly inland floodingHigh

Lebanonmostly 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. Smyrna covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Smyrna’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Smyrna. 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 Smyrna 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.