Jethro Wood House · Photo: Lvklock · CC BY-SA 3.0FEMA puts Ledyard’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, Ledyard gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 11 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 Ledyard 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 Ledyard’s grade
River and rain flooding is 90% of the building damage FEMA expects in Ledyard, and Ledyard’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts.
A lower expected damage per building than 88% of U.S. towns (21,298).
All of Ledyard’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $500K a year in losses across Ledyard: $387K to buildings, the rest to people and crops.
Does Ledyard flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Ledyard, from FEMA’s records: 13.1 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
Ledyard isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cayuga County.1 federal disaster brought FEMA money to Ledyard
Disasters that paid out in Ledyard itself (aid to households or repair grants to the Town of Ledyard), newest first, with that year’s flood claims.
- 2004Snow$6K to the Town of Ledyard for repairs
Cayuga County has had 13 natural disasters declared by the President since 1953, most often floods, 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 Ledyard after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ledyard archive →Ledyard and its neighbors
Ledyard is 4th of the 6 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 |
|---|---|---|---|
| Venice | Aless damage than 95% | river and rain flooding | 1 |
| Genoa | Aless damage than 95% | river and rain flooding | 2 |
| Romulus | Aless damage than 90% | river and rain flooding | 2 |
| Ledyard | Aless damage than 88% | river and rain flooding | 11 |
| Varick | A−less damage than 82% | river and rain flooding | 4 |
| Springport | A−less damage than 76% | river and rain flooding | 8 |
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 Ledyard 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 Ledyard
Is Ledyard at risk for natural disasters?
On FEMA’s National Risk Index, Ledyard has lower expected damage per building than 88% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (90%). 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.
Does Ledyard flood?
Flood insurance has paid 11 claims in Ledyard since 1979, $44K in all, or 13.1 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Ledyard 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 Cayuga County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Ledyard?
FEMA’s Community Rating System list shows no discount for Ledyard’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 Ledyard?
By FEMA money that reached Ledyard, Snow (2004): $6K to the Town of Ledyard for repairs.
Is Ledyard at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Ledyard’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ledyard.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ledyard’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.