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C−Hazard risk
Natural hazards in Masonville · FEMA

On FEMA’s figures, Masonville faces more hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Masonville gets a C− for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 1 claim here since 1996.

River and rain flooding 94%Hurricanes 3%Tornadoes 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

more than 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in New York · higher than 75% of U.S. towns
Main hazard
River and rain flooding
94% of expected building damage
Flood claims
1
paid since 1996 · $2K
Disasters paid out here
14
of 30 declared for Delaware County
By hazard

What Masonville 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
Well above average · higher than 88% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Winter storms Ice storms Hail 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 Masonville’s grade

River and rain flooding is 94% of the building damage FEMA expects in Masonville, and Masonville’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts.

Where Masonville sits
Masonville
Least damageMiddleMost damage

C− higher expected damage per building than 75% of U.S. towns (21,298).

All of Masonville’s residents live in one census tract; the figures are that tract’s.

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

In dollars, FEMA expects about $564K a year in losses across Masonville: $478K to buildings, the rest to people and crops.

Shared tract.All of Masonville’s 1,239 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Masonville flood? Rarely: 1 flood claim since 1996

Every paid claim on a federal flood insurance policy in Masonville, from FEMA’s records: 1.2 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 1 claim1997: 0 claims1998: 0 claims1999: 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 claims1996
19962026
1
paid claims since 1996
$2K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Masonville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Delaware County.
Disasters

14 federal disasters brought FEMA money to Masonville

Disasters that paid out in Masonville itself (aid to households or repair grants to the Town of Masonville), newest first, with that year’s flood claims.

  1. 2018Severe Storms and Flooding$52K to the Town of Masonville for repairs
  2. 2017Severe Winter Storm and Snowstorm$11K to the Town of Masonville for repairs
  3. 2011Remnants of Tropical Storm Lee3 households applied for aid$2K aid approved$50K to the Town of Masonville for repairs
  4. 2011Hurricane Irene1 households applied for aid$2K to the Town of Masonville for repairs
  5. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$5K to the Town of Masonville for repairs
  6. 2008Severe Winter Storm$63K to the Town of Masonville for repairs
Show all 14
  1. 2006Severe Storms and Flooding$360K to the Town of Masonville for repairs
  2. 2006Severe Storms and Flooding1 households applied for aid$3K aid approved$66K to the Town of Masonville for repairs
  3. 2005Severe Storms and Flooding1 households applied for aid$5K aid approved$54K to the Town of Masonville for repairs
  4. 2004Tropical Depression Ivan$8K to the Town of Masonville for repairs
  5. 2004Severe Storms and Flooding$31K to the Town of Masonville for repairs
  6. 2004Severe Storms and Flooding$13K to the Town of Masonville for repairs
  7. 2003Snow$6K to the Town of Masonville for repairs
  8. 2002Snowstorms$12K to the Town of Masonville for repairs
Disasters declared, by decade
Paid out in MasonvilleDelaware County only

Delaware County has had 30 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.

Were you here?

Old photos of Masonville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Masonville archive →
Next door

Masonville and its neighbors

Masonville is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Sidney: hazard risk CSanford: hazard risk C−Tompkins: hazard risk C−Deposit: not gradedBainbridge: hazard risk DAfton: hazard risk DSidneySanfordTompkinsDepositBainbridgeAftonMasonville
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
SidneyCmore damage than 73%river and rain flooding31
MasonvilleC−more damage than 75%river and rain flooding1
TompkinsC−more damage than 84%river and rain flooding3
SanfordC−more damage than 84%river and rain flooding13
BainbridgeDmore damage than 87%river and rain flooding35
AftonDmore damage than 90%river and rain flooding32
Deposit—not graded yet

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.

Be ready

Get ready for what Masonville 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 Masonville

Is Masonville at risk for natural disasters?

On FEMA’s National Risk Index, Masonville has higher expected damage per building than 75% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Masonville flood?

Flood insurance has paid 1 claim in Masonville since 1996, $2K in all, or 1.2 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.

Is Masonville 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 Delaware County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.

How much is flood insurance in Masonville?

FEMA’s Community Rating System list shows no discount for Masonville’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 Masonville?

By FEMA money that reached Masonville, Severe Storms and Flooding (2006): $360K to the Town of Masonville for repairs.

Is Masonville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (94%), and Masonville’s rate for it is higher than 88% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Masonville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Masonville’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.