Photo: Sgerbic · CC BY-SA 4.0FEMA expects less hazard damage per building in Cazenovia than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cazenovia gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #334 of 758 in New York. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 2 claims here since 2003.
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 Cazenovia 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 Cazenovia’s grade
River and rain flooding is 92% of the building damage FEMA expects in Cazenovia, and Cazenovia’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts.
B+ #334 of 758 in New York; lower expected damage per building than 74% of U.S. towns (21,298).
Cazenovia’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, Cazenovia has less expected damage per building than 56% of New York towns.
In dollars, FEMA expects about $1.9M a year in losses across Cazenovia: $1.6M to buildings, the rest to people and crops.
Does Cazenovia flood? Rarely: 2 flood claims since 2003
Every paid claim on a federal flood insurance policy in Cazenovia, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
Cazenovia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.7 federal disasters brought FEMA money to Cazenovia
Disasters that paid out in Cazenovia itself (aid to households or repair grants to the Town of Cazenovia), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$9K to the Town of Cazenovia for repairs
- 2013Severe Storms and Flooding$33K to the Town of Cazenovia for repairs
- 2006Severe Storms and Flooding$29K to the Town of Cazenovia for repairs
- 2003Severe Storms, Flooding, and Tornadoes$30K to the Town of Cazenovia for repairs
- 2003Ice Storm$11K to the Town of Cazenovia for repairs
- 2002Snowstorms$6K to the Town of Cazenovia for repairs
Show all 7
- 2000Severe Storms and Flooding$65K to the Town of Cazenovia for repairs
Madison County has had 18 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 Cazenovia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cazenovia archive →Cazenovia and its neighbors
Cazenovia is 2nd 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 |
|---|---|---|---|
| Nelson | A−less damage than 84% | river and rain flooding | 1 |
| Cazenovia | B+less damage than 74% | river and rain flooding | 2 |
| Pompey | Bless damage than 63% | river and rain flooding | 7 |
| Fenner | B−less damage than 51% | river and rain flooding | 1 |
| DeRuyter | C+more damage than 62% | river and rain flooding | — |
| Manlius | Cmore damage than 69% | river and rain flooding | 43 |
| Sullivan | Cmore damage than 71% | river and rain flooding | 46 |
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 Cazenovia 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 Cazenovia
Is Cazenovia at risk for natural disasters?
On FEMA’s National Risk Index, Cazenovia has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #334 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 Cazenovia flood?
Flood insurance has paid 2 claims in Cazenovia since 2003, $39K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record.
Is Cazenovia 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 Madison County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Cazenovia?
FEMA’s Community Rating System list shows no discount for Cazenovia’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 Cazenovia?
By FEMA money that reached Cazenovia, Severe Storms and Flooding (2000): $65K to the Town of Cazenovia for repairs.
Is Cazenovia at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Cazenovia’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cazenovia.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cazenovia’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.