Photo: Unknown artistUnknown artist · Public domainFEMA expects less hazard damage per building in Le Roy than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Le Roy gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns, #412 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 4 claims here since 1979.
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 Le Roy 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 Le Roy’s grade
River and rain flooding is 93% of the building damage FEMA expects in Le Roy, and Le Roy’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts.
B #412 of 758 in New York; lower expected damage per building than 64% of U.S. towns (21,298).
Le Roy’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, Le Roy has more expected damage per building than 54% of New York towns.
In dollars, FEMA expects about $2.4M a year in losses across Le Roy: $1.9M to buildings, the rest to people and crops.
Does Le Roy flood? Rarely: 4 flood claims since 1979
Every paid claim on a federal flood insurance policy in Le Roy, from FEMA’s records: 1.1 per 1,000 homes, fewer than 76% of the 13,809 U.S. towns with a flood insurance record.
Le Roy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Genesee County.3 federal disasters brought FEMA money to Le Roy
Disasters that paid out in Le Roy itself (aid to households or repair grants to the Town of Le Roy), newest first, with that year’s flood claims.
- 2014Severe Winter Storm, Snowstorm, and Flooding$22K to the Town of Le Roy for repairs
- 2001Snow$6K to the Town of Le Roy for repairs
- 1999Snow$3K to the Town of Le Roy for repairs
Genesee County has had 18 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 Le Roy after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Le Roy archive →Le Roy and its neighbors
Le Roy is 6th 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 |
|---|---|---|---|
| Caledonia | A+less damage than 97% | river and rain flooding | 5 |
| Bergen | A+less damage than 97% | river and rain flooding | 2 |
| Riga | Aless damage than 94% | river and rain flooding | 1 |
| Pavilion | Aless damage than 86% | river and rain flooding | 2 |
| Stafford | A−less damage than 84% | river and rain flooding | — |
| Le Roy | Bless damage than 64% | river and rain flooding | 4 |
| Wheatland | Bless damage than 62% | river and rain flooding | 19 |
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 Le Roy 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 Le Roy
Is Le Roy at risk for natural disasters?
On FEMA’s National Risk Index, Le Roy has lower expected damage per building than 64% of U.S. towns: B for hazard risk, #412 of 758 in New York. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Le Roy flood?
Flood insurance has paid 4 claims in Le Roy since 1979, $28K in all, or 1.1 per 1,000 homes, fewer than 76% of U.S. towns with a flood insurance record.
Is Le Roy 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 Genesee County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Le Roy?
FEMA’s Community Rating System list shows no discount for Le Roy’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 Le Roy?
By FEMA money that reached Le Roy, Severe Winter Storm, Snowstorm, and Flooding (2014): $22K to the Town of Le Roy for repairs.
Is Le Roy at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Le Roy’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Le Roy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Le Roy’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.