East Genoa Methodist Episcopal Church · Photo: Doncram · CC BY-SA 4.0FEMA expects less hazard damage per building in Genoa than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Genoa gets an A for hazard risk: lower expected damage per building than 95% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 2 claims here since 1993.
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 Genoa 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 Genoa’s grade
River and rain flooding is 87% of the building damage FEMA expects in Genoa, and Genoa’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts.
A lower expected damage per building than 95% of U.S. towns (21,298).
All of Genoa’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $550K a year in losses across Genoa: $406K to buildings, the rest to people and crops.
Does Genoa flood? Rarely: 2 flood claims since 1993
Every paid claim on a federal flood insurance policy in Genoa, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Genoa isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cayuga County.2 federal disasters brought FEMA money to Genoa
Disasters that paid out in Genoa itself (aid to households or repair grants to the Town of Genoa), newest first, with that year’s flood claims.
- 2005Severe Storms and Flooding$29K to the Town of Genoa for repairs
- 2004Snow$3K to the Town of Genoa for repairs
Cayuga County has had 13 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.
Old photos of Genoa after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Genoa archive →Genoa and its neighbors
Genoa is 3rd 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 |
|---|---|---|---|
| Covert | A+less damage than 96% | river and rain flooding | 7 |
| Venice | Aless damage than 95% | river and rain flooding | 1 |
| Genoa | Aless damage than 95% | river and rain flooding | 2 |
| Lansing | Aless damage than 94% | river and rain flooding | 45 |
| Ledyard | Aless damage than 88% | river and rain flooding | 11 |
| Ovid | Aless damage than 86% | river and rain flooding | 15 |
| Locke | C−more damage than 84% | river and rain flooding | 10 |
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 Genoa 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 Genoa
Is Genoa at risk for natural disasters?
On FEMA’s National Risk Index, Genoa has lower expected damage per building than 95% of U.S. towns: A for hazard risk. 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 Genoa flood?
Flood insurance has paid 2 claims in Genoa since 1993, $6K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record.
Is Genoa 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 Cayuga County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Genoa?
FEMA’s Community Rating System list shows no discount for Genoa’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 Genoa?
By FEMA money that reached Genoa, Severe Storms and Flooding (2005): $29K to the Town of Genoa for repairs.
Is Genoa at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Genoa’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Genoa.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Genoa’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.