Caneadea Bridge · Photo: eyesofibad · CC BY-SA 3.0More hazard damage per building is expected in Caneadea than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Caneadea gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 4 claims here since 1984.
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 Caneadea 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 Caneadea’s grade
River and rain flooding is 95% of the building damage FEMA expects in Caneadea, and Caneadea’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 84% of U.S. towns (21,298).
Caneadea’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Caneadea: $1.1M to buildings, the rest to people and crops.
Does Caneadea flood? Rarely: 4 flood claims since 1984
Every paid claim on a federal flood insurance policy in Caneadea, from FEMA’s records: 4.5 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.
Caneadea 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.6 federal disasters brought FEMA money to Caneadea
Disasters that paid out in Caneadea itself (aid to households or repair grants to the Town of Caneadea), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$85K to the Town of Caneadea for repairs
- 2009Severe Storms and Flooding$86K to the Town of Caneadea for repairs
- 2004Severe Storms and Flooding$148K to the Town of Caneadea for repairs
- 2004Severe Storms and Flooding$63K to the Town of Caneadea for repairs
- 2003Severe Storms, Flooding, and Tornadoes7 households applied for aid$5K aid approved$278K to the Town of Caneadea for repairs
- 2000Severe Storms and Flooding$113K to the Town of Caneadea for repairs1 flood claim paid that year
Allegany 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.
Old photos of Caneadea after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Caneadea archive →Caneadea and its neighbors
Caneadea is 3rd of the 4 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 |
|---|---|---|---|
| Rushford | C−more damage than 79% | river and rain flooding | — |
| Hume | C−more damage than 82% | river and rain flooding | 6 |
| Caneadea | C−more damage than 84% | river and rain flooding | 4 |
| Belfast | Dmore damage than 87% | river and rain flooding | — |
| Allen | — | 405 residents; we grade 1,000+ | |
| Houghton | — | a Census area inside a town; graded with the town | |
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 Caneadea 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 Caneadea
Is Caneadea at risk for natural disasters?
On FEMA’s National Risk Index, Caneadea has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Caneadea flood?
Flood insurance has paid 4 claims in Caneadea since 1984, $65K in all, or 4.5 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record.
Is Caneadea 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 Allegany County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Caneadea?
FEMA’s Community Rating System list shows no discount for Caneadea’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 Caneadea?
By FEMA money that reached Caneadea, Severe Storms, Flooding, and Tornadoes (2003): 7 households applied for aid, $5K approved, and $278K to the Town of Caneadea for repairs.
Is Caneadea at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Caneadea’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Caneadea.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Caneadea’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.