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Natural hazards · Westmoreland

Westmoreland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Westmoreland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 15 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

How exposed is Westmoreland?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westmoreland to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves10%Everything else21%
By hazard

What Westmoreland 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
Below average · higher than 43% of U.S. places
Recorded about 2 times a year in the area

Cold waves

10% 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 Westmoreland flood?

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

15paid claims since 1981
$109Kpaid to owners
1homes flooded more than once
19812026

Biggest named events

  • Tropical Storm Lee: 1 claim, $7K

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. Westmoreland 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.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared
Disasters that hit Westmoreland

7 federal disasters brought FEMA money here

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

Brought FEMA money into WestmorelandDeclared for Oneida County only
2017

Severe Winter Storm and Snowstorm

$13K to the Town of Westmoreland for repairs
2011

Remnants of Tropical Storm Lee

4 households applied for aid $4K aid approved
2007

Record Snow and Near Record Snow

$10K to the Town of Westmoreland for repairs
2006

Severe Storms and Flooding

3 households applied for aid $1K aid approved $9K to the Town of Westmoreland for repairs
2004

Snow

$12K to the Town of Westmoreland for repairs
2002

Snowstorms

$15K to the Town of Westmoreland for repairs
2000

Severe Storms and Flooding

$29K to the Town of Westmoreland for repairs
Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.
Around Westmoreland

Westmoreland and the towns around it

Whitestown: Low, mostly inland floodingKirkland: Moderate, mostly inland floodingRome: Very low, mostly inland floodingVernon: Moderate, mostly inland floodingVerona: Moderate, mostly inland floodingMarcy: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingUtica: Very low, mostly inland floodingYorkville: Low, mostly inland floodingFloyd: Very low, mostly inland floodingMarshall: Low, mostly inland floodingParis: Very low, mostly inland floodingAugusta: Low, mostly inland floodingVienna: Very high, mostly inland floodingLee: Low, mostly inland floodingWestern: Low, mostly inland floodingAnnsville: High, mostly inland floodingOneida: High, mostly inland floodingSherrill: High, mostly inland floodingOneida Castle: Low, mostly inland floodingStockbridge: Low, mostly inland floodingLenox: Low, mostly inland floodingWestmoreland: Very low, mostly inland flooding WestmorelandWhitestownKirklandRomeVernonVerona
Very lowLowModerateHighVery high
Veronamostly inland floodingModerate
Vernonmostly inland floodingModerate
Kirklandmostly inland floodingModerate
Whitestownmostly inland floodingLow
Westmorelandmostly inland floodingVery low
Romemostly 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. Westmoreland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Westmoreland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Westmoreland. 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 Westmoreland total about $1.3M 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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