Storms, floods and disasters in Harford
Harford isn’t graded for hazard risk: Harford has 980 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 2011.
What Harford 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 Harford flood? Rarely: 6 flood claims since 2011
Every paid claim on a federal flood insurance policy in Harford, from FEMA’s records.
- Tropical Storm Lee1 claim · $20K
Harford 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.3 federal disasters brought FEMA money to Harford
Disasters that paid out in Harford itself (aid to households or repair grants to the Town of Harford), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$9K to the Town of Harford for repairs2 flood claims paid that year
- 2013Severe Storms and Flooding$17K to the Town of Harford for repairs3 flood claims paid that year
- 2005Severe Storms and Flooding1 households applied for aid$126K to the Town of Harford 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 Harford after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harford archive →Harford and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
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 Harford 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 Harford
Does Harford flood?
Flood insurance has paid 6 claims in Harford since 2011, $118K in all. 2 properties have flooded more than once. The most claims came from Tropical Storm Lee (1).
Is Harford 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 Harford?
FEMA’s Community Rating System list shows no discount for Harford’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 Harford?
By FEMA money that reached Harford, Severe Storms and Flooding (2005): 1 households applied for aid, $0 approved, and $126K to the Town of Harford for repairs. By flood claims, Tropical Storm Lee: 1 paid, $20K.
Storm stories
Memories, warnings and help from neighbors in Harford.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harford’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.