U.S. Inspection Station-Trout River, New York · Photo: Wbaron · CC BY-SA 3.0Less hazard damage per building is expected in Constable than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Constable gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then earthquakes (14%). FEMA’s files show no paid flood insurance claims here.
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 Constable 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
Earthquakes
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 Constable’s grade
River and rain flooding is 79% of the building damage FEMA expects in Constable, and Constable’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Ice storms add 3%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 74% of U.S. towns (21,298).
All of Constable’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $441K a year in losses across Constable: $378K to buildings, the rest to people and crops.
Does Constable flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Constable. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Constable isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.1 federal disaster brought FEMA money to Constable
Disasters that paid out in Constable itself (aid to households or repair grants to the Town of Constable), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$4K to the Town of Constable for repairs
Franklin County has had 14 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Constable after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Constable archive →Constable and its neighbors
Constable is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Constable 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Constable
Is Constable at risk for natural disasters?
On FEMA’s National Risk Index, Constable has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and earthquakes (14%). 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.
Is Constable 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 Franklin County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Constable?
FEMA’s Community Rating System list shows no discount for Constable’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 Constable?
By FEMA money that reached Constable, Severe Winter Storm and Snowstorm (2017): $4K to the Town of Constable for repairs.
Is Constable at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Constable’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Constable.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Constable’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.