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Trinity ChurchTrinity Church · Photo: Doug Kerr from Upstate New York · CC BY-SA 2.0
C+Hazard risk
Natural hazards in Constantia · FEMA

FEMA puts Constantia’s expected hazard damage per building above that of 63% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Constantia gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #608 of 758 in New York. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 12 claims here since 1993.

River and rain flooding 95%Ice storms 2%Earthquakes 1%

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

more than 63%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#608 of 758 in New York
Hazard risk
C+#608 of 758
in New York · higher than 63% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
12
paid since 1993 · $145K
Flooded more than once
2
properties
Disasters paid out here
3
of 15 declared for Oswego County
By hazard

What Constantia 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

95%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Ice storms Earthquakes Tornadoes Strong wind Hurricanes Hail Winter storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Constantia’s grade

River and rain flooding is 95% of the building damage FEMA expects in Constantia, and Constantia’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.

Where Constantia sits
Constantia
Least damageMiddleMost damage

C+ #608 of 758 in New York; higher expected damage per building than 63% of U.S. towns (21,298).

All of Constantia’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding95%Everything else5%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Constantia has more expected damage per building than 80% of New York towns.

In dollars, FEMA expects about $1.6M a year in losses across Constantia: $1.4M to buildings, the rest to people and crops.

Shared tract.All of Constantia’s 4,778 residents (2020 census) live in one census tract, which it shares with Constantia CDP (1,109 residents) and Cleveland village (732 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Constantia flood? Sometimes: 12 flood claims since 1993

Every paid claim on a federal flood insurance policy in Constantia, from FEMA’s records: 5.2 per 1,000 homes, more than 61% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1993: 3 claims1994: 3 claims1995: 0 claims1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 1 claim2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 4 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199319942007
19932026
12
paid claims since 1993
$145K
paid to owners
2
homes flooded more than once
$12K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Constantia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Oswego County.
Disasters

3 federal disasters brought FEMA money to Constantia

Disasters that paid out in Constantia itself (aid to households or repair grants to the Town of Constantia), newest first, with that year’s flood claims.

  1. 2007Record Snow and Near Record Snow$12K to the Town of Constantia for repairs4 flood claims paid that year
  2. 2004Snow$8K to the Town of Constantia for repairs
  3. 2003Ice Storm$11K to the Town of Constantia for repairs
Disasters declared, by decade
Paid out in ConstantiaOswego County only

Oswego County has had 15 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Constantia after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Constantia archive →
Next door

Constantia and its neighbors

Constantia is 4th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Cicero: hazard risk BSullivan: hazard risk CVienna: hazard risk DAmboy: hazard risk B+West Monroe: hazard risk C+Camden: hazard risk C−CiceroSullivanViennaAmboyWest MonroeCamdenConstantia
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
AmboyB+less damage than 72%river and rain flooding—
CiceroBless damage than 63%river and rain flooding154
West MonroeC+more damage than 60%river and rain flooding15
ConstantiaC+more damage than 63%river and rain flooding12
SullivanCmore damage than 71%river and rain flooding46
CamdenC−more damage than 81%river and rain flooding3
ViennaDmore damage than 89%river and rain flooding22

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.

Be ready

Get ready for what Constantia faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Constantia

Is Constantia at risk for natural disasters?

On FEMA’s National Risk Index, Constantia has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #608 of 758 in New York. 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 Constantia flood?

Flood insurance has paid 12 claims in Constantia since 1993, $145K in all, or 5.2 per 1,000 homes, more than 61% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.

Is Constantia 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 Oswego County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Constantia?

FEMA’s Community Rating System list shows no discount for Constantia’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 Constantia?

By FEMA money that reached Constantia, Record Snow and Near Record Snow (2007): $12K to the Town of Constantia for repairs.

Is Constantia at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Constantia’s rate for it is higher than 82% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Constantia.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Constantia’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.