Natural hazards · Thurman

Thurman, NY natural hazards

Most of the natural-hazard damage FEMA expects in Thurman comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thurman?

High

vs. U.S. communities

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

Inland flooding66%Cold waves21%Everything else12%

By hazard

What Thurman faces

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

Inland flooding

66% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Thurman flood?

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

4paid claims since 1981

$86Kpaid to owners

0homes flooded more than once

19812026

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Thurman

4 federal disasters brought FEMA money here

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

Brought FEMA money into ThurmanDeclared for Warren County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$239K to the Town of Thurman for repairs

2011

Hurricane Irene

2 households applied for aid $401K to the Town of Thurman for repairs

2011

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

$1K to the Town of Thurman for repairs

2004

Severe Storms and Flooding

$66K to the Town of Thurman for repairs

Warren County has had 14 natural disasters declared since 1953, most often floods and hurricanes.

Around Thurman

Thurman and the towns around it

Very lowLowModerateHighVery high

Thurmanmostly inland floodingHigh

Stony Creekmostly inland floodingHigh

Chestermostly inland floodingHigh

Warrensburgmostly inland floodingModerate

Johnsburgmostly 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. Thurman 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 Thurman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Thurman. 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.