Natural hazards · Stockton

Stockton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Stockton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stockton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stockton to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Stockton faces

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

Inland flooding

89% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 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 Stockton flood?

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

13paid claims since 1979

$162Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Chautauqua County.

Disasters that hit Stockton

7 federal disasters brought FEMA money here

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

Brought FEMA money into StocktonDeclared for Chautauqua County only

2014

Severe Storms and Flooding

$45K to the Town of Stockton for repairs

2013

Severe Storms and Flooding

$8K to the Town of Stockton for repairs

2005

Severe Storms and Flooding

$25K to the Town of Stockton for repairs

2004

Severe Storms and Flooding

$20K to the Town of Stockton for repairs

2001

Snow

$8K to the Town of Stockton for repairs

2000

Snow

$4K to the Town of Stockton for repairs

1999

Snow

$4K to the Town of Stockton for repairs

Chautauqua County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Stockton

Stockton and the towns around it

Very lowLowModerateHighVery high

Stocktonmostly inland floodingHigh

Ellerymostly inland floodingHigh

Charlottemostly inland floodingModerate

Arkwrightmostly inland floodingModerate

Chautauquamostly inland floodingModerate

Pomfretmostly 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. Stockton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stockton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Stockton. 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 Stockton total about $1.8M 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.