Natural hazards · Spencerport

Spencerport, NY natural hazards

Most of the natural-hazard damage FEMA expects in Spencerport comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spencerport?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spencerport to be higher than in 1% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves23%Heat waves7%Tornadoes6%Everything else6%

By hazard

What Spencerport faces

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

Inland flooding

58% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Heat waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Well below average · higher than 20% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Spencerport flood?

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

9paid claims since 1998

$161Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Spencerport

3 federal disasters brought FEMA money here

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

Brought FEMA money into SpencerportDeclared for Monroe County only

2004

Severe Storms and Flooding

42 households applied for aid $42K aid approved $7K to the Village of Spencerport for repairs

2003

Ice Storm

38 households applied for aid $29K aid approved $43K to the Village of Spencerport for repairs

1999

Snow

$9K to the Village of Spencerport for repairs

Monroe County has had 15 natural disasters declared since 1953, most often floods and severe storms.

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. Spencerport covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spencerport’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Spencerport. 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 Spencerport total about $653K 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.