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Steuben County Route 333 at 17-15-86Photo: Doug Kerr · CC BY-SA 2.0
DHazard risk
Natural hazards in Campbell · FEMA

On FEMA’s figures, Campbell faces more hazard damage per building than 91% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Campbell gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns, #754 of 758 in New York. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 35 claims here since 1994.

River and rain flooding 98%

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

more than 91%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#754 of 758 in New York
Hazard risk
D#754 of 758
in New York · higher than 91% of U.S. towns
Main hazard
River and rain flooding
98% of expected building damage
Flood claims
35
paid since 1994 · $333K
Flooded more than once
3
properties
Disasters paid out here
5
of 19 declared for Steuben County
By hazard

What Campbell 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

98%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Ice storms Hail Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Campbell’s grade

River and rain flooding is 98% of the building damage FEMA expects in Campbell, and Campbell’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts.

Where Campbell sits
Campbell
Least damageMiddleMost damage

D #754 of 758 in New York; higher expected damage per building than 91% of U.S. towns (21,298).

All of Campbell’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding98%Everything else2%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Campbell has more expected damage per building than 99% of New York towns.

In dollars, FEMA expects about $2.0M a year in losses across Campbell: $1.8M to buildings, the rest to people and crops.

Shared tract.All of Campbell’s 3,160 residents (2020 census) live in one census tract, which it shares with Campbell CDP (659 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Campbell flood? Sometimes: 35 flood claims since 1994

Every paid claim on a federal flood insurance policy in Campbell, from FEMA’s records: 25.3 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1994: 1 claim1995: 0 claims1996: 15 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 13 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 2 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 2 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620032011
19942026
Biggest named events
  • Hurricane Irene1 claim · $6K
35
paid claims since 1994
$333K
paid to owners
3
homes flooded more than once
$10K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

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

Insurance rates: Steuben County.
Disasters

5 federal disasters brought FEMA money to Campbell

Disasters that paid out in Campbell itself (aid to households or repair grants to the Town of Campbell), newest first, with that year’s flood claims.

  1. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$232K to the Town of Campbell for repairs2 flood claims paid that year
  2. 2004Severe Storms and Flooding7 households applied for aid$22K aid approved$164K to the Town of Campbell for repairs
  3. 2004Severe Storms and Flooding$123K to the Town of Campbell for repairs
  4. 2003Severe Storms, Flooding, and Tornadoes78 households applied for aid$85K aid approved$821K to the Town of Campbell for repairs13 flood claims paid that year
  5. 2000Severe Storms and Flooding$130K to the Town of Campbell for repairs
Disasters declared, by decade
Paid out in CampbellSteuben County only

Steuben County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Campbell after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Campbell archive →
Next door

Campbell and its neighbors

Campbell is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Thurston: hazard risk C+Bradford: not gradedErwin: hazard risk CThurstonBradfordErwinCampbell
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
ThurstonC+more damage than 60%river and rain flooding—
ErwinCmore damage than 65%river and rain flooding30
CampbellDmore damage than 91%river and rain flooding35
Bradford—695 residents; we grade 1,000+

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.

Be ready

Get ready for what Campbell faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Campbell

Is Campbell at risk for natural disasters?

On FEMA’s National Risk Index, Campbell has higher expected damage per building than 91% of U.S. towns: D for hazard risk, #754 of 758 in New York. Most of the expected damage is river and rain flooding (98%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Campbell flood?

Flood insurance has paid 35 claims in Campbell since 1994, $333K in all, or 25.3 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Hurricane Irene (1).

Is Campbell 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 Steuben County, 1.1% of all homes carry federal flood insurance.

How much is flood insurance in Campbell?

FEMA’s Community Rating System list shows no discount for Campbell’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 Campbell?

By FEMA money that reached Campbell, Severe Storms, Flooding, and Tornadoes (2003): 78 households applied for aid, $85K approved, and $821K to the Town of Campbell for repairs. By flood claims, Hurricane Irene: 1 paid, $6K.

Is Campbell at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (98%), and Campbell’s rate for it is in the top 3% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Campbell.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Campbell’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.