Natural hazards · Thurston

Thurston, NY natural hazards

Most of the natural-hazard damage FEMA expects in Thurston comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thurston?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thurston to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes5%Everything else14%

By hazard

What Thurston faces

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

Inland flooding

81% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 43 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Thurston flood?

FEMA's records show no paid flood insurance claims in Thurston.

of all homes
are insured

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

Insurance rates: Steuben County.

Disasters that hit Thurston

3 federal disasters brought FEMA money here

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

Brought FEMA money into ThurstonDeclared for Steuben County only

2011

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

$23K to the Town of Thurston for repairs

2004

Severe Storms and Flooding

$47K to the Town of Thurston for repairs

2003

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $676 aid approved $428K to the Town of Thurston for repairs

Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Thurston

Thurston and the towns around it

Very lowLowModerateHighVery high

Campbellmostly inland floodingVery high

Addisonmostly inland floodingHigh

Thurstonmostly inland floodingModerate

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