Natural hazards · Wright

Wright, NY natural hazards

Most of the natural-hazard damage FEMA expects in Wright comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1996. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wright?

High

vs. U.S. communities

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

Inland flooding87%Everything else13%

By hazard

What Wright faces

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

Inland flooding

87% of expected damage

Well above average · higher than 90% 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 Wright flood?

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

9paid claims since 1996

$255Kpaid to owners

1homes flooded more than once

19962026

Biggest named events

Hurricane Irene: 6 claims, $241K
Hurricane Floyd: 1 claim, $2K

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. Wright isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Schoharie County.

Disasters that hit Wright

10 federal disasters brought FEMA money here

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

Brought FEMA money into WrightDeclared for Schoharie County only

2011

Hurricane Irene

$910K to the Town of Wright for repairs

2010

Severe Storms and Flooding

$32K to the Town of Wright for repairs

2008

Severe Winter Storm

$55K to the Town of Wright for repairs

2007

Severe Storms and Inland and Coastal Flooding

$190K to the Town of Wright for repairs

2005

Severe Storms and Flooding

$198K to the Town of Wright for repairs

2004

Severe Storms and Flooding

$5K to the Town of Wright for repairs

2003

Snow

$8K to the Town of Wright for repairs

2002

Snowstorms

$14K to the Town of Wright for repairs

2000

Severe Storms and Flooding

$642K to the Town of Wright for repairs

1999

Hurricane Floyd Major Disaster Declarations

$19K to the Town of Wright for repairs

Schoharie County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Wright

Wright and the towns around it

Very lowLowModerateHighVery high

Wrightmostly inland floodingHigh

Middleburghmostly inland floodingHigh

Schohariemostly inland floodingHigh

Bernemostly inland floodingModerate

Knoxmostly inland floodingVery low

Duanesburgmostly 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. Wright 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 Wright’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wright. 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.