Natural hazards · Stark

Stark, NY natural hazards

Most of the natural-hazard damage FEMA expects in Stark comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1993. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stark?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stark to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding82%Everything else18%

By hazard

What Stark 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 66% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Stark flood?

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

11paid claims since 1993

$142Kpaid to owners

2homes flooded more than once

19932026

Biggest named events

Hurricane Irene: 2 claims, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Herkimer County.

Disasters that hit Stark

8 federal disasters brought FEMA money here

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

Brought FEMA money into StarkDeclared for Herkimer County only

2017

Severe Winter Storm and Snowstorm

$8K to the Town of Stark for repairs

2013

Severe Storms and Flooding

$152K to the Town of Stark for repairs

2011

Hurricane Irene

$17K to the Town of Stark for repairs

2011

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

$12K to the Town of Stark for repairs

2006

Severe Storms and Flooding

$71K to the Town of Stark for repairs

2004

Severe Storms and Flooding

$14K to the Town of Stark for repairs

2002

Snowstorms

$7K to the Town of Stark for repairs

2000

Severe Storms and Flooding

$49K to the Town of Stark for repairs

Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Stark

Stark and the towns around it

Very lowLowModerateHighVery high

Mindenmostly inland floodingVery high

Springfieldmostly inland floodingModerate

Warrenmostly inland floodingModerate

Starkmostly inland floodingLow

Danubemostly inland floodingLow

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