Photo: Chris Flook · CC BY-SA 4.0FEMA expects less hazard damage per building in Farmersburg than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Farmersburg gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then earthquakes (22%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Farmersburg faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Farmersburg’s grade
River and rain flooding is 56% of the building damage FEMA expects in Farmersburg, and Farmersburg’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Next is earthquakes at 22% (higher than 81% of U.S. census tracts).
B+ lower expected damage per building than 66% of U.S. towns (21,298).
Farmersburg’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $406K a year in losses across Farmersburg: $248K to buildings, the rest to people and crops.
Does Farmersburg flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Farmersburg. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Farmersburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sullivan County.4 federal disasters brought FEMA money to Farmersburg
Disasters that paid out in Farmersburg itself (aid to households or repair grants to the Town of Farmersburg), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornadoes7 households applied for aid$2K aid approved
- 2008Severe Storms, Flooding, and Tornadoes39 households applied for aid$44K aid approved
- 2004Snow$895 to the Town of Farmersburg for repairs
- 2002Severe Storms, Tornadoes and Flooding$47K to the Town of Farmersburg for repairs
Sullivan County has had 16 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Farmersburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farmersburg archive →Farmersburg and its neighbors
Farmersburg is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Curry Township | B+less damage than 67% | river and rain flooding | — |
| Farmersburg | B+less damage than 66% | river and rain flooding | 0 |
| Linton Township | Bless damage than 65% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Farmersburg faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Farmersburg
Is Farmersburg at risk for natural disasters?
On FEMA’s National Risk Index, Farmersburg has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (56%) and earthquakes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Farmersburg in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Sullivan County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Farmersburg?
FEMA’s Community Rating System list shows no discount for Farmersburg’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Farmersburg?
By FEMA money that reached Farmersburg, Severe Storms, Tornadoes and Flooding (2002): $47K to the Town of Farmersburg for repairs.
Is Farmersburg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (56%), and Farmersburg’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmersburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmersburg’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.