Natural hazards · Webster

Webster, NY natural hazards

Most of the natural-hazard damage FEMA expects in Webster comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 29 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Webster?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Webster to be higher than in 5% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding70%Cold waves16%Everything else14%

By hazard

What Webster faces

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

Inland flooding

70% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Webster flood?

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

29paid claims since 1978

$123Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Blizzard of 1993: 2 claims, $5K
December Storm - Nor'easter: 1 claim, $7K
The “Halloween” storm: 1 claim, $2K

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

Insurance rates: Monroe County.

Disasters that hit Webster

3 federal disasters brought FEMA money here

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

Brought FEMA money into WebsterDeclared for Monroe County only

2017

Flooding

$24K to the Town of Webster for repairs

2003

Ice Storm

$76K to the Town of Webster for repairs

1999

Snow

$9K to the Town of Webster for repairs

Monroe County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Webster

Webster and the towns around it

Very lowLowModerateHighVery high

Irondequoitmostly inland floodingLow

Penfieldmostly inland floodingLow

Ontariomostly inland floodingLow

Webstermostly 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. Webster covers 12 census tracts, combined by population.

Money that reached townFlood claims are matched to Webster’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Webster. 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 Webster total about $7.5M 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.