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Natural hazards · Unadilla

Unadilla, NY natural hazards

Most of the natural-hazard damage FEMA expects in Unadilla comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 128 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Unadilla?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Unadilla to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves15%Everything else8%
By hazard

What Unadilla faces

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

Inland flooding

77% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Unadilla flood?

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

128paid claims since 1978
$2.4Mpaid to owners
25homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Lee: 47 claims, $907K
  • Torrential rain: 2 claims, $13K
  • Not a named storm: 1 claim, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit Unadilla

5 federal disasters brought FEMA money here

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

Brought FEMA money into UnadillaDeclared for Otsego County only
2011

Remnants of Tropical Storm Lee

138 households applied for aid $349K aid approved $30K to the Village of Unadilla for repairs
2011

Hurricane Irene

15 households applied for aid $20K aid approved $10K to the Village of Unadilla for repairs
2006

Severe Storms and Flooding

271 households applied for aid $754K aid approved $310K to the Village of Unadilla for repairs
2005

Severe Storms and Flooding

1 household applied for aid $678 aid approved $3K to the Village of Unadilla for repairs
2002

Snowstorms

$5K to the Village of Unadilla for repairs
Otsego County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Unadilla

Unadilla and the towns around it

Sidney: High, mostly inland floodingUnadilla: High, mostly inland floodingOtego: Very high, mostly inland floodingSidney: Moderate, mostly inland floodingMasonville: High, mostly inland floodingFranklin: High, mostly inland floodingBainbridge: High, mostly inland floodingWalton: Very high, mostly inland floodingGuilford: High, mostly inland floodingButternuts: High, mostly inland floodingUnadilla: High, mostly inland flooding UnadillaSidneyUnadilla
Very lowLowModerateHighVery high
Unadillamostly inland floodingHigh
Unadillamostly inland floodingHigh
Sidneymostly 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. Unadilla 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 Unadilla’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Unadilla. 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.

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