Natural hazards · Torrey

Torrey, NY natural hazards

Most of the natural-hazard damage FEMA expects in Torrey comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1984. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Torrey?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Torrey to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding73%Drought9%Everything else18%

By hazard

What Torrey faces

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

Inland flooding

73% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Drought

9% of expected damage

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Torrey flood?

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

2paid claims since 1984

$4Kpaid to owners

0homes flooded more than once

19842026

of all homes
are insured

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

Insurance rates: Yates County.

Disasters that hit Torrey

3 federal disasters brought FEMA money here

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

Brought FEMA money into TorreyDeclared for Yates County only

2014

Severe Storms and Flooding

$242K to the Town of Torrey for repairs

2011

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

$3K to the Town of Torrey for repairs

2000

Severe Storms and Flooding

$11K to the Town of Torrey for repairs

Yates County has had 17 natural disasters declared since 1953, most often floods and hurricanes.

Around Torrey

Torrey and the towns around it

Very lowLowModerateHighVery high

Milomostly inland floodingHigh

Bentonmostly inland floodingModerate

Torreymostly inland floodingLow

Ovidmostly inland floodingVery low

Lodimostly inland floodingVery low

Romulusmostly inland floodingVery low

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. Torrey covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Torrey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Torrey. 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 Torrey total about $884K 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.