Hankins Stone Arch Bridge · Photo: Doug Kerr from Upstate New York · CC BY-SA 2.0FEMA expects more hazard damage per building in Fremont than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fremont gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 18 claims here since 1978.
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 Fremont 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 Fremont’s grade
River and rain flooding is 94% of the building damage FEMA expects in Fremont, and Fremont’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
All of Fremont’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Fremont: $1.1M to buildings, the rest to people and crops.
Does Fremont flood? Sometimes: 18 flood claims since 1978
Every paid claim on a federal flood insurance policy in Fremont, from FEMA’s records: 14.7 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- The Torrential rain3 claims · $85K
Fremont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sullivan County.The storms Fremont remembers
None of the 26 disasters declared for Sullivan County shows FEMA aid or repair money reaching Fremont itself in FEMA’s records, so these are its biggest flood-claim years.
- 20068 flood claims paidThe year of Severe Storms and Flooding, declared for Sullivan County
- 20053 flood claims paidThe year of Severe Storms and Flooding, declared for Sullivan County
- 19781 flood claims paidNo declaration for the county that year
Sullivan County has had 26 natural disasters declared by the President since 1953, most often severe storms, then winter 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 Fremont after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fremont archive →Fremont and its neighbors
Fremont is 3rd of the 5 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 |
|---|---|---|---|
| Delaware | Cmore damage than 71% | river and rain flooding | 42 |
| Callicoon | Cmore damage than 71% | river and rain flooding | 50 |
| Fremont | Cmore damage than 73% | river and rain flooding | 18 |
| Rockland | Dmore damage than 90% | river and rain flooding | 499 |
| Hancock | Dmore damage than 90% | river and rain flooding | 100 |
| Manchester Township | — | 680 residents; we grade 1,000+ | |
| Hankins | — | 225 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 Fremont 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 Fremont
Is Fremont at risk for natural disasters?
On FEMA’s National Risk Index, Fremont has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Fremont flood?
Flood insurance has paid 18 claims in Fremont since 1978, $469K in all, or 14.7 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. The most claims came from Torrential rain (3).
Is Fremont 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 Sullivan County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Fremont?
FEMA’s Community Rating System list shows no discount for Fremont’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 Fremont?
By flood claims, Torrential rain: 3 paid, $85K.
Is Fremont at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Fremont’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fremont.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fremont’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.