Storms, floods and disasters in Deposit
Deposit isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Deposit yet. Flood insurance has paid 23 claims here since 1979.
What Deposit 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 Deposit flood? Sometimes: 23 flood claims since 1979
Every paid claim on a federal flood insurance policy in Deposit, from FEMA’s records.
- Tropical Storm Lee6 claims · $49K
- The Torrential rain3 claims · $18K
Deposit isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.15 federal disasters brought FEMA money to Deposit
Disasters that paid out in Deposit itself (aid to households or repair grants to the Town of Deposit), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$14K to the Town of Deposit for repairs
- 2014Severe Storms and Flooding$56K to the Town of Deposit for repairs
- 2013Severe Storms and Flooding$48K to the Town of Deposit for repairs
- 2011Remnants of Tropical Storm Lee25 households applied for aid$36K aid approved$210K to the Town of Deposit for repairs6 flood claims paid for it, $49K
- 2011Hurricane Irene7 households applied for aid$6K aid approved$6K to the Town of Deposit for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$53K to the Town of Deposit for repairs
Show all 15
- 2008Severe Winter Storm$51K to the Town of Deposit for repairs
- 2006Severe Storms and Flooding$67K to the Town of Deposit for repairs
- 2006Severe Storms and Flooding133 households applied for aid$387K aid approved$1.2M to the Town of Deposit for repairs
- 2005Severe Storms and Flooding23 households applied for aid$68K aid approved$449K to the Town of Deposit for repairs3 flood claims paid that year
- 2004Tropical Depression Ivan6 households applied for aid$2K aid approved$300K to the Town of Deposit for repairs
- 2004Severe Storms and Flooding$65K to the Town of Deposit for repairs
- 2003Severe Storms, Flooding, and Tornadoes$7K to the Town of Deposit for repairs
- 2003Snow$6K to the Town of Deposit for repairs
- 2002Snowstorms$13K to the Town of Deposit for repairs
Delaware County has had 30 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 Deposit after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deposit archive →Deposit and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Masonville | C−more damage than 75% | river and rain flooding | 1 |
| Tompkins | C−more damage than 84% | river and rain flooding | 3 |
| Sanford | C−more damage than 84% | river and rain flooding | 13 |
| Scott Township | — | 434 residents; we grade 1,000+ | |
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 Deposit 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 Deposit
Does Deposit flood?
Flood insurance has paid 23 claims in Deposit since 1979, $371K in all. 3 properties have flooded more than once. The most claims came from Tropical Storm Lee (6).
Is Deposit 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 Delaware County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Deposit?
FEMA’s Community Rating System list shows no discount for Deposit’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 Deposit?
By FEMA money that reached Deposit, Severe Storms and Flooding (2006): 133 households applied for aid, $387K approved, and $1.2M to the Town of Deposit for repairs. By flood claims, Tropical Storm Lee: 6 paid, $49K.
Storm stories
Memories, warnings and help from neighbors in Deposit.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deposit’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.