Photo: Bill Blevins from Fairport, NY, USA · CC BY 2.0FEMA puts Honeoye Falls’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Honeoye Falls gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #392 of 758 in New York. Most of that expected damage is river and rain flooding (97%). 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 Honeoye Falls 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 Honeoye Falls’ grade
River and rain flooding is 97% of the building damage FEMA expects in Honeoye Falls, and Honeoye Falls’ rate of river and rain flooding damage is higher than 64% of U.S. census tracts.
B+ #392 of 758 in New York; lower expected damage per building than 68% of U.S. towns (21,298).
All of Honeoye Falls’ residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Honeoye Falls has more expected damage per building than 52% of New York towns.
In dollars, FEMA expects about $817K a year in losses across Honeoye Falls: $692K to buildings, the rest to people and crops.
Does Honeoye Falls flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Honeoye Falls. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Honeoye Falls isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.3 federal disasters brought FEMA money to Honeoye Falls
Disasters that paid out in Honeoye Falls itself (aid to households or repair grants to the Village of Honeoye Falls), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding$20K to the Village of Honeoye Falls for repairs
- 2003Ice Storm8 households applied for aid$3K aid approved$19K to the Village of Honeoye Falls for repairs
- 1999Snow$4K to the Village of Honeoye Falls for repairs
Monroe County has had 15 natural disasters declared by the President since 1953, most often winter 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 Honeoye Falls after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Honeoye Falls archive →Honeoye Falls and its neighbors
Honeoye Falls is 2nd of the 2 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 |
|---|---|---|---|
| Lima | A+among the lowest damage | river and rain flooding | — |
| Honeoye Falls | B+less damage than 68% | river and rain flooding | 0 |
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 Honeoye Falls 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 Honeoye Falls
Is Honeoye Falls at risk for natural disasters?
On FEMA’s National Risk Index, Honeoye Falls has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #392 of 758 in New York. Most of the expected damage is river and rain flooding (97%). 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.
Is Honeoye Falls 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 Monroe County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Honeoye Falls?
FEMA’s Community Rating System list shows no discount for Honeoye Falls’ 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 Honeoye Falls?
By FEMA money that reached Honeoye Falls, Ice Storm (2003): 8 households applied for aid, $3K approved, and $19K to the Village of Honeoye Falls for repairs.
Is Honeoye Falls at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Honeoye Falls’ rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Honeoye Falls.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Honeoye Falls’ 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.