Natural hazards · Vernon

Vernon, NY natural hazards

Most of the natural-hazard damage FEMA expects in Vernon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 2006. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Vernon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vernon to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding81%Cold waves6%Everything else13%

By hazard

What Vernon 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

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 58% 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 Vernon flood?

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

7paid claims since 2006

$219Kpaid to owners

2homes flooded more than once

20062026

Biggest named events

Tropical Storm Lee: 2 claims, $5K

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. Vernon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Oneida County.

Disasters that hit Vernon

5 federal disasters brought FEMA money here

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

Brought FEMA money into VernonDeclared for Oneida County only

2017

Severe Winter Storm and Snowstorm

$7K to the Town of Vernon for repairs

2013

Severe Storms and Flooding

$270K to the Town of Vernon for repairs

2007

Record Snow and Near Record Snow

$8K to the Town of Vernon for repairs

2004

Snow

$34K to the Town of Vernon for repairs

2002

Snowstorms

$15K to the Town of Vernon for repairs

Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.

Around Vernon

Vernon and the towns around it

Very lowLowModerateHighVery high

Oneidamostly inland floodingHigh

Sherrillmostly inland floodingHigh

Veronamostly inland floodingModerate

Vernonmostly inland floodingModerate

Kirklandmostly inland floodingModerate

Augustamostly inland floodingLow

Stockbridgemostly inland floodingLow

Oneida Castlemostly inland floodingLow

Westmorelandmostly 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. Vernon covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Vernon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Vernon. 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 Vernon total about $3.0M 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.