FEMA expects more hazard damage per building in Farmersville than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Farmersville gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 2 claims here since 1996.
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 Farmersville 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 Farmersville’s grade
River and rain flooding is 97% of the building damage FEMA expects in Farmersville, and Farmersville’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts.
C− higher expected damage per building than 79% of U.S. towns (21,298).
Farmersville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $505K a year in losses across Farmersville: $448K to buildings, the rest to people and crops.
Does Farmersville flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Farmersville, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Farmersville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.7 federal disasters brought FEMA money to Farmersville
Disasters that paid out in Farmersville itself (aid to households or repair grants to the Town of Farmersville), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$81K to the Town of Farmersville for repairs
- 2004Severe Storms and Flooding$3K to the Town of Farmersville for repairs
- 2003Severe Storms, Flooding, and Tornadoes$14K to the Town of Farmersville for repairs
- 2001Snow$9K to the Town of Farmersville for repairs
- 2000Snow$6K to the Town of Farmersville for repairs
- 2000Severe Storms and Flooding$21K to the Town of Farmersville for repairs
Show all 7
- 1999Snow$4K to the Town of Farmersville for repairs
Cattaraugus County has had 20 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.
Old photos of Farmersville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farmersville archive →Farmersville and its neighbors
Farmersville is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Machias | C+more damage than 64% | river and rain flooding | — |
| Freedom | C−more damage than 76% | river and rain flooding | 3 |
| Rushford | C−more damage than 79% | river and rain flooding | — |
| Farmersville | C−more damage than 79% | river and rain flooding | 2 |
| Lyndon | — | 642 residents; we grade 1,000+ | |
| Lime Lake | — | 656 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 Farmersville 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 Farmersville
Is Farmersville at risk for natural disasters?
On FEMA’s National Risk Index, Farmersville has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (97%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Farmersville flood?
Flood insurance has paid 2 claims in Farmersville since 1996, $16K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Farmersville 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 Cattaraugus County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Farmersville?
FEMA’s Community Rating System list shows no discount for Farmersville’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 Farmersville?
By FEMA money that reached Farmersville, Severe Storms and Flooding (2009): $81K to the Town of Farmersville for repairs.
Is Farmersville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Farmersville’s rate for it is in the top 10% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmersville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmersville’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.