Natural hazards · Wirt

Wirt, NY natural hazards

Most of the natural-hazard damage FEMA expects in Wirt comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wirt?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wirt to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding82%Tornadoes5%Everything else13%

By hazard

What Wirt faces

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

Inland flooding

82% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 44% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Wirt flood?

FEMA's records show no paid flood insurance claims in Wirt.

of all homes
are insured

No community discount. Wirt 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 Wirt

3 federal disasters brought FEMA money here

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

Brought FEMA money into WirtDeclared for Allegany County only

2009

Severe Storms and Flooding

$25K to the Town of Wirt for repairs

2004

Severe Storms and Flooding

$60K to the Town of Wirt for repairs

2003

Severe Storms, Flooding, and Tornadoes

$710K to the Town of Wirt for repairs

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

Around Wirt

Wirt and the towns around it

Very lowLowModerateHighVery high

Sciomostly inland floodingVery high

Friendshipmostly inland floodingVery high

Wirtmostly inland floodingHigh

Bolivarmostly inland floodingHigh

Clarksvillemostly 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. Wirt is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Wirt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wirt. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.