Storms, floods and disasters in Freetown
Freetown isn’t graded for hazard risk: Freetown has 911 residents; we grade towns of 1,000 or more.
What Freetown 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.
Does Freetown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Freetown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Freetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cortland County.4 federal disasters brought FEMA money to Freetown
Disasters that paid out in Freetown itself (aid to households or repair grants to the Town of Freetown), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$7K to the Town of Freetown for repairs
- 2009Severe Storms and Flooding$38K to the Town of Freetown for repairs
- 2006Severe Storms and Flooding$24K to the Town of Freetown for repairs
- 2005Severe Storms and Flooding$25K to the Town of Freetown for repairs
Cortland County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Freetown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Freetown archive →Freetown and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cortlandville | C+more damage than 58% | river and rain flooding | 30 |
| Virgil | C+more damage than 62% | river and rain flooding | 5 |
| Solon | Cmore damage than 69% | river and rain flooding | — |
| Marathon | Cmore damage than 74% | river and rain flooding | — |
| Cincinnatus | — | 998 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 Freetown 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 Freetown
Is Freetown 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 Cortland County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Freetown?
FEMA’s Community Rating System list shows no discount for Freetown’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 Freetown?
By FEMA money that reached Freetown, Severe Storms and Flooding (2009): $38K to the Town of Freetown for repairs.
Storm stories
Memories, warnings and help from neighbors in Freetown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Freetown’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.