Natural hazards · Waverly

Waverly, NY natural hazards

Most of the natural-hazard damage FEMA expects in Waverly comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Waverly?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waverly to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding85%Tornadoes6%Everything else9%

By hazard

What Waverly faces

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

Inland flooding

85% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 44% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Waverly flood?

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

12paid claims since 1979

$91Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Torrential rain: 1 claim, $38K
Tropical Storm Lee: 1 claim, $4K

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. Waverly 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.

What’s been done with FEMA grants

12flood-prone properties bought out and cleared

Disasters that hit Waverly

6 federal disasters brought FEMA money here

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

Brought FEMA money into WaverlyDeclared for Tioga County only

2017

Severe Winter Storm and Snowstorm

$11K to the Village of Waverly for repairs

2011

Remnants of Tropical Storm Lee

82 households applied for aid $224K aid approved $566K to the Village of Waverly for repairs

2006

Severe Storms and Flooding

25 households applied for aid $54K aid approved

2005

Severe Storms and Flooding

22 households applied for aid $93K aid approved $6K to the Village of Waverly for repairs

2002

Snowstorms

$3K to the Village of Waverly for repairs

2000

Severe Storms and Flooding

$43K to the Village of Waverly for repairs

Tioga County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Waverly

Waverly and the towns around it

Very lowLowModerateHighVery high

Bartonmostly inland floodingHigh

Waverlymostly inland floodingModerate

Chemungmostly inland floodingModerate

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. Waverly covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Waverly’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Waverly. 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 Waverly total about $1.5M 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.