Photo: Tkeator · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Endicott as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Endicott gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #495 of 758 in New York. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 80 claims here since 1979.
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 Endicott’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Endicott 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 Endicott’s grade
River and rain flooding is 92% of the building damage FEMA expects in Endicott, and Endicott’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts.
B− #495 of 758 in New York; lower expected damage per building than 54% of U.S. towns (21,298).
Endicott’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Endicott has more expected damage per building than 65% of New York towns.
In dollars, FEMA expects about $3.2M a year in losses across Endicott: $2.6M to buildings, the rest to people and crops.
Does Endicott flood? Sometimes: 80 flood claims since 1979
Every paid claim on a federal flood insurance policy in Endicott, from FEMA’s records: 11.0 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee38 claims · $1.9M
- The Torrential rain5 claims · $218K
Endicott 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.9 federal disasters brought FEMA money to Endicott
Disasters that paid out in Endicott itself (aid to households or repair grants to the Village of Endicott), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$35K to the Village of Endicott for repairs1 flood claim paid that year
- 2011Remnants of Tropical Storm Lee1,591 households applied for aid$6.8M aid approved$1.5M to the Village of Endicott for repairs38 flood claims paid for it, $1.9M
- 2006Severe Storms and Flooding42 households applied for aid$95K aid approved
- 2006Severe Storms and Flooding427 households applied for aid$1.1M aid approved$726K to the Village of Endicott for repairs
- 2005Severe Storms and Flooding69 households applied for aid$234K aid approved$83K to the Village of Endicott for repairs5 flood claims paid that year
- 2004Tropical Depression Ivan42 households applied for aid$32K aid approved$226K to the Village of Endicott for repairs
Show all 9
- 2004Severe Storms and Flooding6 households applied for aid$610 aid approved
- 2003Snow$22K to the Village of Endicott for repairs1 flood claim paid that year
- 2002Snowstorms$28K to the Village of Endicott for repairs
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 Endicott after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Endicott archive →Endicott and its neighbors
Endicott is 2nd of the 3 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 Endicott 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 Endicott
Is Endicott at risk for natural disasters?
On FEMA’s National Risk Index, Endicott has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #495 of 758 in New York. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Endicott flood?
Flood insurance has paid 80 claims in Endicott since 1979, $3.9M in all, or 11.0 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Tropical Storm Lee (38).
Is Endicott 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 Endicott?
FEMA’s Community Rating System list shows no discount for Endicott’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 Endicott?
By FEMA money that reached Endicott, Remnants of Tropical Storm Lee (2011): 1,591 households applied for aid, $6.8M approved, and $1.5M to the Village of Endicott for repairs. By flood claims, Tropical Storm Lee: 38 paid, $1.9M.
Is Endicott at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Endicott’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Endicott.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Endicott’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.