Photo: Mitchazenia · CC BY-SA 4.0Less hazard damage per building is expected in Newstead than in 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Newstead gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns, #440 of 758 in New York. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 5 claims here since 1998.
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 Newstead 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 Newstead’s grade
River and rain flooding is 97% of the building damage FEMA expects in Newstead, and Newstead’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts.
B #440 of 758 in New York; lower expected damage per building than 61% of U.S. towns (21,298).
Newstead’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Newstead has more expected damage per building than 58% of New York towns.
In dollars, FEMA expects about $3.4M a year in losses across Newstead: $2.7M to buildings, the rest to people and crops.
Does Newstead flood? Rarely: 5 flood claims since 1998
Every paid claim on a federal flood insurance policy in Newstead, from FEMA’s records: 1.1 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
Newstead isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Erie County.5 federal disasters brought FEMA money to Newstead
Disasters that paid out in Newstead itself (aid to households or repair grants to the Town of Newstead), newest first, with that year’s flood claims.
- 2022Severe Winter Storm and Snowstorm$55K to the Town of Newstead for repairs
- 2006Severe Storms and Flooding$63K to the Town of Newstead for repairs1 flood claim paid that year
- 2001Snow$7K to the Town of Newstead for repairs
- 2000Snow$5K to the Town of Newstead for repairs
- 1999Snow$9K to the Town of Newstead for repairs1 flood claim paid that year
Erie County has had 20 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 Newstead after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Newstead archive →Newstead and its neighbors
Newstead is 5th 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 |
|---|---|---|---|
| Alden | Aless damage than 85% | river and rain flooding | 11 |
| Royalton | A−less damage than 83% | river and rain flooding | 10 |
| Clarence | B+less damage than 70% | river and rain flooding | 22 |
| Pembroke | Bless damage than 64% | river and rain flooding | — |
| Newstead | Bless damage than 61% | river and rain flooding | 5 |
| Alabama | Bless damage than 58% | river and rain flooding | — |
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 Newstead 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 Newstead
Is Newstead at risk for natural disasters?
On FEMA’s National Risk Index, Newstead has lower expected damage per building than 61% of U.S. towns: B for hazard risk, #440 of 758 in New York. Most of the expected damage is river and rain flooding (97%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Newstead flood?
Flood insurance has paid 5 claims in Newstead since 1998, $26K in all, or 1.1 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Newstead 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 Erie County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Newstead?
FEMA’s Community Rating System list shows no discount for Newstead’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 Newstead?
By FEMA money that reached Newstead, Severe Storms and Flooding (2006): $63K to the Town of Newstead for repairs.
Is Newstead at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Newstead’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Newstead.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Newstead’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.