Photo: Dclemens1971 · CC BY 4.0Less hazard damage per building is expected in Floyd than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Floyd gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #48 of 758 in New York. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 2 claims here since 2019.
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 Floyd 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 Floyd’s grade
River and rain flooding is 87% of the building damage FEMA expects in Floyd, and Floyd’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts.
A+ #48 of 758 in New York; lower expected damage per building than 97% of U.S. towns (21,298).
All of Floyd’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Floyd has less expected damage per building than 94% of New York towns.
In dollars, FEMA expects about $514K a year in losses across Floyd: $335K to buildings, the rest to people and crops.
Does Floyd flood? Rarely: 2 flood claims since 2019
Every paid claim on a federal flood insurance policy in Floyd, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Fred1 claim · $3K
Floyd isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oneida County.11 federal disasters brought FEMA money to Floyd
Disasters that paid out in Floyd itself (aid to households or repair grants to the Town of Floyd), newest first, with that year’s flood claims.
- 2021Remnants of Tropical Storm Fred$366K to the Town of Floyd for repairs1 flood claim paid for it, $3K
- 2019Severe Storms, Straight-line Winds, and Flooding$29K to the Town of Floyd for repairs1 flood claim paid that year
- 2017Severe Winter Storm and Snowstorm$7K to the Town of Floyd for repairs
- 2013Severe Storms and Flooding$41K to the Town of Floyd for repairs
- 2011Remnants of Tropical Storm Lee$19K to the Town of Floyd for repairs
- 2007Record Snow and Near Record Snow$10K to the Town of Floyd for repairs
Show all 11
- 2006Severe Storms and Flooding$37K to the Town of Floyd for repairs
- 2004Snow$14K to the Town of Floyd for repairs
- 2003Ice Storm$8K to the Town of Floyd for repairs
- 2002Snowstorms$12K to the Town of Floyd for repairs
- 2000Severe Storms and Flooding$150K to the Town of Floyd for repairs
Oneida County has had 21 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 Floyd after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Floyd archive →Floyd and its neighbors
Floyd is 2nd of the 7 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 |
|---|---|---|---|
| Marcy | A+among the lowest damage | river and rain flooding | 2 |
| Floyd | A+less damage than 97% | river and rain flooding | 2 |
| Rome | Aless damage than 86% | river and rain flooding | 20 |
| Trenton | A−less damage than 76% | river and rain flooding | 7 |
| Steuben | B+less damage than 73% | river and rain flooding | 1 |
| Western | B+less damage than 71% | river and rain flooding | 3 |
| Whitestown | B+less damage than 68% | river and rain flooding | 14 |
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 Floyd 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 Floyd
Is Floyd at risk for natural disasters?
On FEMA’s National Risk Index, Floyd has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #48 of 758 in New York. Most of the expected damage is river and rain flooding (87%). 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 Floyd flood?
Flood insurance has paid 2 claims in Floyd since 2019, $13K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Fred (1).
Is Floyd 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 Oneida County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Floyd?
FEMA’s Community Rating System list shows no discount for Floyd’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 Floyd?
By FEMA money that reached Floyd, Remnants of Tropical Storm Fred (2021): $366K to the Town of Floyd for repairs. By flood claims, Tropical Storm Fred: 1 paid, $3K.
Is Floyd at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Floyd’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Floyd.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Floyd’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.