District #10 Schoolhouse · Photo: Pubdog · Public domainFEMA puts Hartland’s expected hazard damage per building below that of 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hartland gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #196 of 758 in New York. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.
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 Hartland 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 Hartland’s grade
River and rain flooding is 92% of the building damage FEMA expects in Hartland, and Hartland’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts.
A #196 of 758 in New York; lower expected damage per building than 88% of U.S. towns (21,298).
Hartland’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Hartland has less expected damage per building than 74% of New York towns.
In dollars, FEMA expects about $635K a year in losses across Hartland: $517K to buildings, the rest to people and crops.
Does Hartland flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hartland. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hartland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Niagara County.6 federal disasters brought FEMA money to Hartland
Disasters that paid out in Hartland itself (aid to households or repair grants to the Town of Hartland), newest first, with that year’s flood claims.
- 2022Severe Winter Storm and Snowstorm$10K to the Town of Hartland for repairs
- 2006Severe Storms and Flooding$5K to the Town of Hartland for repairs
- 2004Severe Storms and Flooding$12K to the Town of Hartland for repairs
- 2001Snow$5K to the Town of Hartland for repairs
- 2000Severe Storms and Flooding$65K to the Town of Hartland for repairs
- 1999Snow$14K to the Town of Hartland for repairs
Niagara County has had 20 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 Hartland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hartland archive →Hartland and its neighbors
Hartland is 4th 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 |
|---|---|---|---|
| Somerset | A+less damage than 98% | river and rain flooding | 1 |
| Newfane | A+less damage than 96% | river and rain flooding | 5 |
| Ridgeway | A+less damage than 96% | river and rain flooding | — |
| Hartland | Aless damage than 88% | river and rain flooding | 0 |
| Royalton | A−less damage than 83% | river and rain flooding | 10 |
| Lockport | — | not graded yet | |
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 Hartland 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 Hartland
Is Hartland at risk for natural disasters?
On FEMA’s National Risk Index, Hartland has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #196 of 758 in New York. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hartland 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 Niagara 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 Hartland?
FEMA’s Community Rating System list shows no discount for Hartland’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 Hartland?
By FEMA money that reached Hartland, Severe Storms and Flooding (2000): $65K to the Town of Hartland for repairs.
Is Hartland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Hartland’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hartland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hartland’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.