–Not graded

Natural hazards in Endwell · FEMA

Storms, floods and disasters in Endwell

Endwell isn’t graded for hazard risk: Endwell is a Census area inside a town, graded with the town. Flood insurance has paid 274 claims here since 1979.

Flood claims

274

paid since 1979 · $9.2M

Disasters paid out here

of 23 declared for Broome County

By hazard

What Endwell 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

94%of expected building damage

Above average · higher than 77% of U.S. census tracts

Recorded about 3 times a year in the area

Smaller shares here

Hurricanes Tornadoes Earthquakes Strong wind Ice storms 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.

Flood insurance claims

Does Endwell flood? Yes: 274 flood claims since 1979

Every paid claim on a federal flood insurance policy in Endwell, from FEMA’s records.

Paid flood claims, by year

198320062011

19792026

Biggest named events

Tropical Storm Lee79 claims · $5.0M
The Torrential rain26 claims · $764K

274

paid claims since 1979

$9.2M

paid to owners

homes flooded more than once

$34K

average claim

of all homes are insured

No community discount

Endwell 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.

Disasters

The storms Endwell remembers

None of the 23 disasters declared for Broome County shows FEMA aid or repair money reaching Endwell itself in FEMA’s records, so these are its biggest flood-claim years.

201180 flood claims paidThe year of Remnants of Tropical Storm Lee, declared for Broome County
200645 flood claims paidThe year of Severe Storms and Flooding, declared for Broome County
198327 flood claims paidNo declaration for the county that year

Disasters declared, by decade

Paid out in EndwellBroome County only

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.

Were you here?

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

Add to the Endwell archive →

Next door

Endwell and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

EndicottUnionVestalEndwell

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Vestal	Bless damage than 57%	river and rain flooding	434
Endicott	B⁻less damage than 54%	river and rain flooding	80
Union	C⁺more damage than 56%	river and rain flooding	495

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 Endwell 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.

Questions about natural hazards in Endwell

Does Endwell flood?

Flood insurance has paid 274 claims in Endwell since 1979, $9.2M in all. The most claims came from Tropical Storm Lee (79).

Is Endwell 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 Endwell?

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

By flood claims, Tropical Storm Lee: 79 paid, $5.0M.

Storm stories

Memories, warnings and help from neighbors in Endwell.

Town Square →

Start the conversation

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

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