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Natural hazards · Tioga

Tioga, NY natural hazards

Most of the natural-hazard damage FEMA expects in Tioga comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 110 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Tioga?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tioga to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding87%Tornadoes5%Everything else8%
By hazard

What Tioga faces

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

Inland flooding

87% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

5% of expected damage
Below average · higher than 44% of U.S. places
Recorded about once every 37 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 Tioga flood?

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

110paid claims since 1979
$3.5Mpaid to owners
20homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Lee: 31 claims, $2.3M
  • Torrential rain: 13 claims, $199K
  • Not a named storm: 1 claim, $413

Homes that flooded again and again

■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Tioga isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tioga County.
Disasters that hit Tioga

9 federal disasters brought FEMA money here

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

Brought FEMA money into TiogaDeclared for Tioga County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$14K to the Town of Tioga for repairs
2017

Severe Winter Storm and Snowstorm

$18K to the Town of Tioga for repairs
2011

Remnants of Tropical Storm Lee

$1.2M to the Town of Tioga for repairs
2011

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

$261K to the Town of Tioga for repairs
2006

Severe Storms and Flooding

$102K to the Town of Tioga for repairs
2005

Severe Storms and Flooding

$12K to the Town of Tioga for repairs
2004

Tropical Depression Ivan

$30K to the Town of Tioga for repairs
2002

Snowstorms

$20K to the Town of Tioga for repairs
2000

Severe Storms and Flooding

$66K to the Town of Tioga for repairs
Tioga County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Tioga

Tioga and the towns around it

Owego: High, mostly inland floodingNichols: High, mostly inland floodingOwego: Very high, mostly inland floodingBarton: High, mostly inland floodingCandor: High, mostly inland floodingNewark Valley: High, mostly inland floodingUnion: Moderate, mostly inland floodingVestal: Moderate, mostly inland floodingMaine: High, mostly inland floodingWarren: High, mostly inland floodingVan Etten: High, mostly inland floodingChemung: Moderate, mostly inland floodingWaverly: Moderate, mostly inland floodingBaldwin: Moderate, mostly inland floodingSpencer: High, mostly inland floodingBerkshire: High, mostly inland floodingCaroline: High, mostly inland floodingDanby: Moderate, mostly inland floodingTioga: High, mostly inland flooding TiogaOwegoNicholsOwegoBartonCandor
Very lowLowModerateHighVery high
Owegomostly inland floodingVery high
Candormostly inland floodingHigh
Owegomostly inland floodingHigh
Bartonmostly inland floodingHigh
Tiogamostly inland floodingHigh
Nicholsmostly inland floodingHigh
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. Tioga covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Tioga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Tioga. 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 Tioga total about $2.7M 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.

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