Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0Less hazard damage per building is expected in Marshall than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Marshall gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 1 claim here since 2017.
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 Marshall 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 Marshall’s grade
River and rain flooding is 92% of the building damage FEMA expects in Marshall, and Marshall’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts.
B+ lower expected damage per building than 68% of U.S. towns (21,298).
All of Marshall’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $613K a year in losses across Marshall: $510K to buildings, the rest to people and crops.
Does Marshall flood? Rarely: 1 flood claim since 2017
Every paid claim on a federal flood insurance policy in Marshall, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
Marshall isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oneida County.10 federal disasters brought FEMA money to Marshall
Disasters that paid out in Marshall itself (aid to households or repair grants to the Town of Marshall), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$36K to the Town of Marshall for repairs
- 2017Severe Winter Storm and Snowstorm$11K to the Town of Marshall for repairs1 flood claim paid that year
- 2013Severe Storms and Flooding$135K to the Town of Marshall for repairs
- 2011Remnants of Tropical Storm Lee$112K to the Town of Marshall for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$47K to the Town of Marshall for repairs
- 2007Record Snow and Near Record Snow$13K to the Town of Marshall for repairs
Show all 10
- 2004Snow$18K to the Town of Marshall for repairs
- 2003Ice Storm$28K to the Town of Marshall for repairs
- 2002Snowstorms$26K to the Town of Marshall for repairs
- 2000Severe Storms and Flooding$24K to the Town of Marshall for repairs
Oneida County has had 21 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 Marshall after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Marshall archive →Marshall and its neighbors
Marshall is 3rd 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 |
|---|---|---|---|
| Paris | A+less damage than 98% | river and rain flooding | 2 |
| Sangerfield | A−less damage than 83% | river and rain flooding | 1 |
| Marshall | B+less damage than 68% | river and rain flooding | 1 |
| Augusta | Bless damage than 64% | river and rain flooding | 5 |
| Kirkland | Bless damage than 55% | river and rain flooding | 153 |
| Oriskany Falls | — | 600 residents; we grade 1,000+ | |
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 Marshall 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 Marshall
Is Marshall at risk for natural disasters?
On FEMA’s National Risk Index, Marshall has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Marshall flood?
Flood insurance has paid 1 claim in Marshall since 2017, $20K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record.
Is Marshall 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 Oneida County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Marshall?
FEMA’s Community Rating System list shows no discount for Marshall’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 Marshall?
By FEMA money that reached Marshall, Severe Storms and Flooding (2013): $135K to the Town of Marshall for repairs.
Is Marshall at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Marshall’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Marshall.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Marshall’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.