On FEMA’s figures, Deposit faces more hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Deposit gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 104 claims here since 1978.
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 stands out about Deposit’s natural hazards
From FEMA’s model and FEMA’s records, below.
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.
What’s behind Deposit’s grade
River and rain flooding is 96% of the building damage FEMA expects in Deposit, and Deposit’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
Deposit’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Deposit: $985K to buildings, the rest to people and crops.
Does Deposit flood? Yes: 104 flood claims since 1978
Every paid claim on a federal flood insurance policy in Deposit, from FEMA’s records: 108.9 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee19 claims · $101K
- The Torrential rain7 claims · $42K
- The Late summer storms1 claim · $6K
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: Broome County.10 federal disasters brought FEMA money to Deposit
Disasters that paid out in Deposit itself (aid to households or repair grants to the Village of Deposit), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$109K to the Village of Deposit for repairs
- 2013Severe Storms and Flooding$5K to the Village of Deposit for repairs
- 2011Remnants of Tropical Storm Lee39 households applied for aid$50K aid approved$28K to the Village of Deposit for repairs19 flood claims paid for it, $101K
- 2011Hurricane Irene7 households applied for aid$6K aid approved
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$37K to the Village of Deposit for repairs
- 2006Severe Storms and Flooding1 households applied for aid$2K aid approved
Show all 10
- 2006Severe Storms and Flooding314 households applied for aid$979K aid approved$3.9M to the Village of Deposit for repairs
- 2005Severe Storms and Flooding48 households applied for aid$98K aid approved$22K to the Village of Deposit for repairs7 flood claims paid that year
- 2004Tropical Depression Ivan19 households applied for aid$18K aid approved$18K to the Village of Deposit for repairs
- 2004Severe Storms and Flooding2 households applied for aid$4K aid approved
Broome County has had 23 natural disasters declared by the President since 1953, most often floods, then severe 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 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 →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
Is Deposit at risk for natural disasters?
On FEMA’s National Risk Index, Deposit has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (96%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Deposit flood?
Flood insurance has paid 104 claims in Deposit since 1978, $2.9M in all, or 108.9 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 17 properties have flooded more than once. The most claims came from Tropical Storm Lee (19).
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 Broome County, 1.8% of all homes carry federal flood insurance.
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): 314 households applied for aid, $979K approved, and $3.9M to the Village of Deposit for repairs. By flood claims, Tropical Storm Lee: 19 paid, $101K.
Is Deposit at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Deposit’s rate for it is in the top 6% of U.S. census tracts.
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.