Natural hazards · Willing

Willing, NY natural hazards

Most of the natural-hazard damage FEMA expects in Willing comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 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 Willing?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Willing to be higher than in 90% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%

By hazard

What Willing faces

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

Inland flooding

91% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Willing flood?

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

4paid claims since 1981

$26Kpaid to owners

0homes flooded more than once

19812026

of all homes
are insured

No community discount. Willing isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Allegany County.

Disasters that hit Willing

7 federal disasters brought FEMA money here

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

Brought FEMA money into WillingDeclared for Allegany County only

2024

Remnants of Tropical Storm Debby

$430K to the Town of Willing for repairs

2021

Remnants of Tropical Storm Fred

$19K to the Town of Willing for repairs

2014

Severe Storms and Flooding

$11K to the Town of Willing for repairs

2013

Severe Storms and Flooding

$38K to the Town of Willing for repairs

2004

Severe Storms and Flooding

$45K to the Town of Willing for repairs

2003

Severe Storms, Flooding, and Tornadoes

$41K to the Town of Willing for repairs

2000

Severe Storms and Flooding

$42K to the Town of Willing for repairs

Allegany County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Willing

Willing and the towns around it

Very lowLowModerateHighVery high

Willingmostly inland floodingVery high

Independencemostly inland floodingVery high

Wellsvillemostly inland floodingVery high

Almamostly inland floodingVery high

Geneseemostly inland floodingVery high

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. Willing covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Willing’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Willing. 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 Willing total about $2.3M 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.