FEMA puts Lindley’s expected hazard damage per building above that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lindley gets a C+ for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 20 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 Lindley 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 Lindley’s grade
River and rain flooding is 96% of the building damage FEMA expects in Lindley, and Lindley’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts.
C+ higher expected damage per building than 65% of U.S. towns (21,298).
All of Lindley’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $485K a year in losses across Lindley: $398K to buildings, the rest to people and crops.
Does Lindley flood? Sometimes: 20 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lindley, from FEMA’s records: 28.6 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- The December Storm - nor’easter5 claims · $95K
- Hurricane Gloria4 claims · $26K
- The “Halloween” storm3 claims · $86K
Lindley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steuben County.3 federal disasters brought FEMA money to Lindley
Disasters that paid out in Lindley itself (aid to households or repair grants to the Town of Lindley), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$138K to the Town of Lindley for repairs
- 2004Severe Storms and Flooding$30K to the Town of Lindley for repairs
- 2003Severe Storms, Flooding, and Tornadoes5 households applied for aid$2K aid approved
Steuben County has had 19 natural disasters declared by the President since 1953, most often severe 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 Lindley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lindley archive →Lindley and its neighbors
Lindley is 2nd 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 |
|---|---|---|---|
| Caton | C+more damage than 65% | river and rain flooding | 1 |
| Lindley | C+more damage than 65% | river and rain flooding | 20 |
| Erwin | Cmore damage than 65% | river and rain flooding | 30 |
| Lawrence Township | Cmore damage than 66% | river and rain flooding | 5 |
| Tuscarora | C−more damage than 79% | river and rain flooding | 9 |
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 Lindley 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 Lindley
Is Lindley at risk for natural disasters?
On FEMA’s National Risk Index, Lindley has higher expected damage per building than 65% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 Lindley flood?
Flood insurance has paid 20 claims in Lindley since 1979, $239K in all, or 28.6 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. The most claims came from December Storm - Nor'easter (5).
Is Lindley 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 Steuben County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Lindley?
FEMA’s Community Rating System list shows no discount for Lindley’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 Lindley?
By FEMA money that reached Lindley, Severe Storms and Flooding (2014): $138K to the Town of Lindley for repairs. By flood claims, December Storm - Nor'easter: 5 paid, $95K.
Is Lindley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Lindley’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lindley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lindley’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.