Natural hazards · Summerhill

Summerhill, NY natural hazards

Most of the natural-hazard damage FEMA expects in Summerhill comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Summerhill?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summerhill to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Summerhill 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 93% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Summerhill flood?

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

12paid claims since 1981

$216Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Tropical Storm Henri: 1 claim, $26K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cayuga County.

Disasters that hit Summerhill

2 federal disasters brought FEMA money here

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

Brought FEMA money into SummerhillDeclared for Cayuga County only

2005

Severe Storms and Flooding

$82K to the Town of Summerhill for repairs

2004

Snow

$5K to the Town of Summerhill for repairs

Cayuga County has had 15 natural disasters declared since 1953, most often floods and hurricanes.

Around Summerhill

Summerhill and the towns around it

Very lowLowModerateHighVery high

Summerhillmostly inland floodingHigh

Lockemostly inland floodingHigh

Semproniusmostly inland floodingHigh

Homermostly inland floodingHigh

Grotonmostly inland floodingModerate

Cortlandvillemostly 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. Summerhill covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Summerhill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Summerhill. 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 Summerhill total about $1.7M 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.