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 2 claims here since 2012. 2 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 2% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves19%Tornadoes6%Heat waves6%Everything else6%

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

63% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Well below average · higher than 21% of U.S. places

Heat waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Webster flood?

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

2paid claims since 2012

$101Kpaid to owners

0homes flooded more than once

20122026

Biggest named events

Hurricane Sandy: 2 claims, $101K

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

2 federal disasters brought FEMA money here

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

Brought FEMA money into WebsterDeclared for Monroe County only

2004

Severe Storms and Flooding

15 households applied for aid $2K aid approved

2003

Ice Storm

199 households applied for aid $165K aid approved

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

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 2 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 Village 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 $840K 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.