J. Francis Kellogg House · Photo: Pubdog · Public domainLess hazard damage per building is expected in Avon than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Avon gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns, #60 of 758 in New York. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 1 claim here since 2015.
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 Avon 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
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 Avon’s grade
River and rain flooding is 92% of the building damage FEMA expects in Avon, and Avon’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts.
A+ #60 of 758 in New York; lower expected damage per building than 96% of U.S. towns (21,298).
Avon’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Avon has less expected damage per building than 92% of New York towns.
In dollars, FEMA expects about $1.2M a year in losses across Avon: $958K to buildings, the rest to people and crops.
Does Avon flood? Rarely: 1 flood claim since 2015
Every paid claim on a federal flood insurance policy in Avon, from FEMA’s records: 0.3 per 1,000 homes, fewer than 94% of the 13,809 U.S. towns with a flood insurance record.
Avon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.4 federal disasters brought FEMA money to Avon
Disasters that paid out in Avon itself (aid to households or repair grants to the Town of Avon), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$40K to the Town of Avon for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$25K to the Town of Avon for repairs
- 2003Ice Storm$13K to the Town of Avon for repairs
- 1999Snow$5K to the Town of Avon for repairs
Livingston County has had 14 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; the 2001 World Trade Center declarations.
Old photos of Avon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Avon archive →Avon and its neighbors
Avon is 4th of the 7 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 |
|---|---|---|---|
| Lima | A+among the lowest damage | river and rain flooding | — |
| York | A+less damage than 98% | river and rain flooding | 2 |
| Caledonia | A+less damage than 97% | river and rain flooding | 5 |
| Avon | A+less damage than 96% | river and rain flooding | 1 |
| Geneseo | A+less damage than 96% | river and rain flooding | 6 |
| Rush | Aless damage than 95% | river and rain flooding | 4 |
| Avon | Aless damage than 94% | river and rain flooding | 2 |
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 Avon 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.
- 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 Avon
Is Avon at risk for natural disasters?
On FEMA’s National Risk Index, Avon has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk, #60 of 758 in New York. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Avon flood?
Flood insurance has paid 1 claim in Avon since 2015, $59K in all, or 0.3 per 1,000 homes, fewer than 94% of U.S. towns with a flood insurance record.
Is Avon 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 Livingston County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Avon?
FEMA’s Community Rating System list shows no discount for Avon’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 Avon?
By FEMA money that reached Avon, Severe Storms and Flooding (2014): $40K to the Town of Avon for repairs.
Is Avon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Avon’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Avon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Avon’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.