East Charity Shoal Light · Public domainStorms, floods and disasters in Cape Vincent
Cape Vincent isn’t graded for hazard risk: Cape Vincent has 658 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1979.
What Cape Vincent 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.
Does Cape Vincent flood? Rarely: 4 flood claims since 1979
Every paid claim on a federal flood insurance policy in Cape Vincent, from FEMA’s records.
Cape Vincent isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.1 federal disaster brought FEMA money to Cape Vincent
Disasters that paid out in Cape Vincent itself (aid to households or repair grants to the Village of Cape Vincent), newest first, with that year’s flood claims.
- 2017Flooding$98K to the Village of Cape Vincent for repairs1 flood claim paid that year
Jefferson County has had 15 natural disasters declared by the President since 1953, most often winter 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 Cape Vincent after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cape Vincent archive →Get ready for what Cape Vincent 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 Cape Vincent
Does Cape Vincent flood?
Flood insurance has paid 4 claims in Cape Vincent since 1979, $11K in all. 1 properties have flooded more than once.
Is Cape Vincent 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 Jefferson County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Cape Vincent?
FEMA’s Community Rating System list shows no discount for Cape Vincent’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 Cape Vincent?
By FEMA money that reached Cape Vincent, Flooding (2017): $98K to the Village of Cape Vincent for repairs.
Storm stories
Memories, warnings and help from neighbors in Cape Vincent.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cape Vincent’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.