Guest, Sign inJoin

Post to Eagle

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
NY 39 west in Eagle hamletPhoto: Mitchazenia · CC BY-SA 4.0
C−Hazard risk
Natural hazards in Eagle · FEMA

FEMA expects more hazard damage per building in Eagle than in 77% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Eagle gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 2 claims here since 1982.

River and rain flooding 96%Strong wind 1%Hurricanes 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 77%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in New York · higher than 77% of U.S. towns
Main hazard
River and rain flooding
96% of expected building damage
Flood claims
2
paid since 1982 · $5K
Disasters paid out here
6
of 18 declared for Wyoming County
By hazard

What Eagle 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

96%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Strong wind Hurricanes Tornadoes Ice storms Earthquakes Winter storms Hail 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 Eagle’s grade

River and rain flooding is 96% of the building damage FEMA expects in Eagle, and Eagle’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.

Where Eagle sits
Eagle
Least damageMiddleMost damage

C− higher expected damage per building than 77% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding96%Everything else4%

In dollars, FEMA expects about $629K a year in losses across Eagle: $541K to buildings, the rest to people and crops.

Shared tract.All of Eagle’s 1,105 residents (2020 census) live in one census tract, which it shares with Pike town (975 residents) and Bliss CDP (496 residents) and Genesee Falls town (402 residents) and Pike CDP (298 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 Eagle flood? Rarely: 2 flood claims since 1982

Every paid claim on a federal flood insurance policy in Eagle, from FEMA’s records: 3.4 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1982: 1 claim1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 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 claims19821998
19822026
2
paid claims since 1982
$5K
paid to owners
0
homes flooded more than once
$3K
average claim
of all homes are insured
No community discount

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

Insurance rates: Wyoming County.
Disasters

6 federal disasters brought FEMA money to Eagle

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

  1. 2014Severe Winter Storm, Snowstorm, and Flooding$11K to the Town of Eagle for repairs
  2. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$19K to the Town of Eagle for repairs
  3. 2003Severe Storms, Flooding, and Tornadoes$15K to the Town of Eagle for repairs
  4. 2001Snow$9K to the Town of Eagle for repairs
  5. 1999Snow$3K to the Town of Eagle for repairs
  6. 1999Snow$3K to the Town of Eagle for repairs
Disasters declared, by decade
Paid out in EagleWyoming County only

Wyoming County has had 18 natural disasters declared by the President since 1953, most often winter storms, then severe 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 Eagle after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Eagle archive →
Next door

Eagle and its neighbors

Eagle has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Arcade: hazard risk DCenterville: not gradedPike: not gradedWethersfield: not gradedArcadeCentervillePikeWethersfieldEagle
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
EagleC−more damage than 77%river and rain flooding2
ArcadeDmore damage than 89%river and rain flooding2
Centerville—700 residents; we grade 1,000+
Pike—812 residents; we grade 1,000+
Wethersfield—815 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.

Be ready

Get ready for what Eagle 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 Eagle

Is Eagle at risk for natural disasters?

On FEMA’s National Risk Index, Eagle has higher expected damage per building than 77% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 Eagle flood?

Flood insurance has paid 2 claims in Eagle since 1982, $5K in all, or 3.4 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record.

Is Eagle 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 Wyoming County, 0.5% of all homes carry federal flood insurance.

How much is flood insurance in Eagle?

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

By FEMA money that reached Eagle, Severe Storms, Flooding, Tornadoes, and Straight-line Winds (2011): $19K to the Town of Eagle for repairs.

Is Eagle at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (96%), and Eagle’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eagle.

Town Square →
Start the conversation

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