Rowe House · Photo: Pubdog · Public domainOn FEMA’s figures, Cohocton faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Cohocton gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 1 claim here since 2008.
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 Cohocton 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 Cohocton’s grade
River and rain flooding is 95% of the building damage FEMA expects in Cohocton, and Cohocton’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts.
B− lower expected damage per building than 52% of U.S. towns (21,298).
All of Cohocton’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $908K a year in losses across Cohocton: $739K to buildings, the rest to people and crops.
Does Cohocton flood? Rarely: 1 flood claim since 2008
Every paid claim on a federal flood insurance policy in Cohocton, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Cohocton 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.5 federal disasters brought FEMA money to Cohocton
Disasters that paid out in Cohocton itself (aid to households or repair grants to the Town of Cohocton), newest first, with that year’s flood claims.
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$132K to the Town of Cohocton for repairs
- 2004Severe Storms and Flooding$45K to the Town of Cohocton for repairs
- 2004Severe Storms and Flooding$97K to the Town of Cohocton for repairs
- 2003Severe Storms, Flooding, and Tornadoes$167K to the Town of Cohocton for repairs
- 2000Severe Storms and Flooding$97K to the Town of Cohocton for repairs
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.
Old photos of Cohocton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cohocton archive →Cohocton and its neighbors
Cohocton is 5th of the 6 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 |
|---|---|---|---|
| Prattsburgh | B+less damage than 69% | river and rain flooding | 3 |
| Wayland | B+less damage than 67% | river and rain flooding | 2 |
| Avoca | B−less damage than 54% | river and rain flooding | 9 |
| Howard | B−less damage than 54% | river and rain flooding | 11 |
| Cohocton | B−less damage than 52% | river and rain flooding | 1 |
| Naples | C−more damage than 82% | river and rain flooding | 3 |
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 Cohocton 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 Cohocton
Is Cohocton at risk for natural disasters?
On FEMA’s National Risk Index, Cohocton has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Cohocton flood?
Flood insurance has paid 1 claim in Cohocton since 2008, $562 in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record.
Is Cohocton 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 Cohocton?
FEMA’s Community Rating System list shows no discount for Cohocton’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 Cohocton?
By FEMA money that reached Cohocton, Severe Storms, Flooding, and Tornadoes (2003): $167K to the Town of Cohocton for repairs.
Is Cohocton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Cohocton’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cohocton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cohocton’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.