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Natural hazards · Urbana

Urbana, NY natural hazards

Most of the natural-hazard damage FEMA expects in Urbana comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Urbana?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Urbana to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding90%Everything else10%
By hazard

What Urbana faces

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

Inland flooding

90% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Urbana flood?

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

12paid claims since 1978
$158Kpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • Blizzard of 1993: 1 claim, $811

Homes that flooded again and again

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

of all homes
are insured
No community discount. Urbana 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 Urbana

4 federal disasters brought FEMA money here

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

Brought FEMA money into UrbanaDeclared for Steuben County only
2014

Severe Storms and Flooding

$56K to the Town of Urbana for repairs
2004

Tropical Depression Ivan

$22K to the Town of Urbana for repairs
2004

Severe Storms and Flooding

$33K to the Town of Urbana for repairs
2000

Severe Storms and Flooding

$63K to the Town of Urbana for repairs
Steuben County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Urbana

Urbana and the towns around it

Wheeler: Low, mostly inland floodingBath: Low, mostly inland floodingWayne: Moderate, mostly inland floodingPulteney: Moderate, mostly inland floodingBradford: Moderate, mostly inland floodingPrattsburgh: Low, mostly inland floodingAvoca: Moderate, mostly inland floodingHoward: Moderate, mostly inland floodingCameron: Moderate, mostly inland floodingTyrone: Moderate, mostly inland floodingJerusalem: High, mostly inland floodingBarrington: Moderate, mostly inland floodingOrange: Moderate, mostly inland floodingCampbell: Very high, mostly inland floodingCohocton: Moderate, mostly inland floodingItaly: High, mostly inland floodingUrbana: High, mostly inland flooding UrbanaWheelerBathWaynePulteneyBradfordPrattsburgh
Very lowLowModerateHighVery high
Urbanamostly inland floodingHigh
Waynemostly inland floodingModerate
Bradfordmostly inland floodingModerate
Pulteneymostly inland floodingModerate
Bathmostly inland floodingLow
Wheelermostly inland floodingLow
Prattsburghmostly inland floodingLow
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. Urbana covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Urbana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Urbana. 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 Urbana total about $1.3M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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