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Natural hazards · Westford

Westford, NY natural hazards

Most of the natural-hazard damage FEMA expects in Westford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2009. 7 federal disasters brought FEMA money into town.

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

How exposed is Westford?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westford to be higher than in 67% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding75%Cold waves15%Everything else9%
By hazard

What Westford faces

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

Inland flooding

75% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Westford flood?

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

3paid claims since 2009
$49Kpaid to owners
0homes flooded more than once
20092026

Biggest named events

  • Hurricane Irene: 2 claims, $45K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Westford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Otsego County.
Disasters that hit Westford

7 federal disasters brought FEMA money here

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

Brought FEMA money into WestfordDeclared for Otsego County only
2017

Severe Winter Storm and Snowstorm

$10K to the Town of Westford for repairs
2011

Remnants of Tropical Storm Lee

3 households applied for aid $3K aid approved $38K to the Town of Westford for repairs
2006

Severe Storms and Flooding

2 households applied for aid $287K to the Town of Westford for repairs
2005

Severe Storms and Flooding

$16K to the Town of Westford for repairs
2003

Ice Storm

$2K to the Town of Westford for repairs
2002

Snowstorms

$4K to the Town of Westford for repairs
2000

Severe Storms and Flooding

$13K to the Town of Westford for repairs
Otsego County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Westford

Westford and the towns around it

Middlefield: High, mostly inland floodingRoseboom: High, mostly inland floodingMaryland: High, mostly inland floodingDecatur: High, mostly inland floodingWorcester: Very high, mostly inland floodingOtsego: High, mostly inland floodingHartwick: High, mostly inland floodingMilford: High, mostly inland floodingCherry Valley: Moderate, mostly inland floodingSpringfield: Moderate, mostly inland floodingSharon: Low, mostly inland floodingSeward: Low, mostly inland floodingHarpersfield: Moderate, mostly inland floodingDavenport: High, mostly inland floodingSummit: High, mostly inland floodingRichmondville: High, mostly inland floodingWestford: High, mostly inland flooding WestfordMiddlefieldRoseboomMarylandDecaturWorcester
Very lowLowModerateHighVery high
Worcestermostly inland floodingVery high
Middlefieldmostly inland floodingHigh
Marylandmostly inland floodingHigh
Westfordmostly inland floodingHigh
Roseboommostly inland floodingHigh
Decaturmostly inland floodingHigh
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. Westford covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Westford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Westford. 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 Westford total about $948K 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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