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Natural hazards · Whitestown

Whitestown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Whitestown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 14 claims here since 2000. 11 federal disasters brought FEMA money into town.

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

How exposed is Whitestown?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitestown to be higher than in 34% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves9%Everything else17%
By hazard

What Whitestown faces

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

Inland flooding

74% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 2 times a year in the area

Cold waves

9% 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 Whitestown flood?

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

14paid claims since 2000
$1.9Mpaid to owners
2homes flooded more than once
20002026

Biggest named events

  • Hurricane Irene: 1 claim, $708K
  • Tropical Storm Lee: 1 claim, $30K
  • December Nor'easter: 1 claim, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Whitestown 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.
Disasters that hit Whitestown

11 federal disasters brought FEMA money here

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

Brought FEMA money into WhitestownDeclared for Oneida County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$1.8M to the Town of Whitestown for repairs
2017

Severe Winter Storm and Snowstorm

$26K to the Town of Whitestown for repairs
2013

Severe Storms and Flooding

$92K to the Town of Whitestown for repairs
2011

Remnants of Tropical Storm Lee

$69K to the Town of Whitestown for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$55K to the Town of Whitestown for repairs
2007

Record Snow and Near Record Snow

$26K to the Town of Whitestown for repairs
2006

Severe Storms and Flooding

$15K to the Town of Whitestown for repairs
2004

Snow

$26K to the Town of Whitestown for repairs
2003

Ice Storm

$19K to the Town of Whitestown for repairs
2002

Snowstorms

$53K to the Town of Whitestown for repairs
2000

Severe Storms and Flooding

$65K to the Town of Whitestown for repairs
Oneida County has had 22 natural disasters declared since 1953, most often winter storms and severe storms.
Around Whitestown

Whitestown and the towns around it

Marcy: Very low, mostly inland floodingWestmoreland: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingUtica: Very low, mostly inland floodingYorkville: Low, mostly inland floodingRome: Very low, mostly inland floodingFloyd: Very low, mostly inland floodingKirkland: Moderate, mostly inland floodingTrenton: Low, mostly inland floodingDeerfield: Very low, mostly inland floodingVernon: Moderate, mostly inland floodingVerona: Moderate, mostly inland floodingParis: Very low, mostly inland floodingNew Hartford: Low, mostly inland floodingNew York Mills: Very low, mostly inland floodingFrankfort: Moderate, mostly inland floodingLitchfield: Moderate, mostly inland floodingSchuyler: Very low, mostly inland floodingWhitesboro: Moderate, mostly inland floodingVienna: Very high, mostly inland floodingLee: Low, mostly inland floodingWestern: Low, mostly inland floodingAnnsville: High, mostly inland floodingSteuben: Low, mostly inland floodingMarshall: Low, mostly inland floodingAugusta: Low, mostly inland floodingWhitestown: Low, mostly inland flooding WhitestownMarcyWestmorelandNew HartfordUticaYorkvilleRomeFloydKirkland
Very lowLowModerateHighVery high
Kirklandmostly inland floodingModerate
Yorkvillemostly inland floodingLow
Whitestownmostly inland floodingLow
New Hartfordmostly inland floodingLow
Westmorelandmostly inland floodingVery low
Romemostly inland floodingVery low
Uticamostly inland floodingVery low
Floydmostly inland floodingVery low
Marcymostly 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. Whitestown covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Whitestown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Whitestown. 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 Whitestown total about $3.9M 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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