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Main Street, West, Le Roy, N.Y.Photo: Unknown artistUnknown artist · Public domain
B−Hazard risk
Natural hazards in Le Roy · FEMA

On FEMA’s figures, Le Roy faces about as much hazard damage per building as the typical U.S. town, 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 53% of U.S. towns, #502 of 758 in New York. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 1 claim here since 1998.

River and rain flooding 94%Strong wind 2%Ice storms 1%

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

less than 53%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#502 of 758 in New York
Hazard risk
B−#502 of 758
in New York · lower than 53% of U.S. towns
Main hazard
River and rain flooding
94% of expected building damage
Flood claims
1
paid since 1998 · $5K
Flood claims per home
0 per 1,000
fewer than 91% of U.S. towns
By hazard

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

94%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Strong wind Ice storms Earthquakes Hurricanes Tornadoes Hail Winter storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Le Roy’s grade

River and rain flooding is 94% of the building damage FEMA expects in Le Roy, and Le Roy’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.

Where Le Roy sits
Le Roy
Least damageMiddleMost damage

B− #502 of 758 in New York; lower expected damage per building than 53% of U.S. towns (21,298).

Le Roy’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding94%Everything else6%

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 66% of New York towns.

In dollars, FEMA expects about $1.4M a year in losses across Le Roy: $1.2M to buildings, the rest to people and crops.

A small-area figure. Le Roy covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Le Roy flood? Rarely: 1 flood claim since 1998

Every paid claim on a federal flood insurance policy in Le Roy, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1998
19982026
1
paid claims since 1998
$5K
paid to owners
0
homes flooded more than once
$5K
average claim
of all homes are insured
No community discount

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.
Disasters

The storms Le Roy remembers

None of the 18 disasters declared for Genesee County shows FEMA aid or repair money reaching Le Roy itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19981 flood claims paidThe year of Severe Storms and Flooding, declared for Genesee County
Disasters declared, by decade
Paid out in Le RoyGenesee County only

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.

Were you here?

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 →
Be ready

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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

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 53% of U.S. towns: B− for hazard risk, #502 of 758 in New York. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Le Roy flood?

Flood insurance has paid 1 claim in Le Roy since 1998, $5K in all, or 0.4 per 1,000 homes, fewer than 91% 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.

Is Le Roy at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (94%), and Le Roy’s rate for it is higher than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Le Roy.

Town Square →
Start the conversation

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.