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–Not graded
Natural hazards in North Gates · FEMA

Storms, floods and disasters in North Gates

North Gates isn’t graded for hazard risk: North Gates is a Census area inside a town, graded with the town. Flood insurance has paid 3 claims here since 2026.

Flood claims
3
paid since 2026 · $10K
Disasters paid out here
0
of 15 declared for Monroe County
By hazard

What North Gates 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

93%of expected building damage
Well below average · lower than 88% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Tornadoes Strong wind Ice storms Hurricanes Hail Wildfire Winter storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 25% of North Gates’ expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does North Gates flood? Rarely: 3 flood claims since 2026

Every paid claim on a federal flood insurance policy in North Gates, from FEMA’s records.

Paid flood claims, by year
2026: 3 claims2026
20262026
3
paid claims since 2026
$10K
paid to owners
0
homes flooded more than once
$3K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Monroe County.
Disasters

The storms North Gates remembers

None of the 15 disasters declared for Monroe County shows FEMA aid or repair money reaching North Gates itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20263 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in North GatesMonroe County only

Monroe County has had 15 natural disasters declared by the President since 1953, most often winter 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 North Gates after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the North Gates archive →
Next door

North Gates and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Gates: hazard risk ARochester: hazard risk BGreece: hazard risk A+GatesRochesterGreeceNorth Gates
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
GreeceA+among the lowest damageriver and rain flooding101
GatesAless damage than 95%river and rain flooding25
RochesterBless damage than 62%river and rain flooding18

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 North Gates 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 North Gates

Does North Gates flood?

Flood insurance has paid 3 claims in North Gates since 2026, $10K in all.

Is North Gates 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 Monroe County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in North Gates?

FEMA’s Community Rating System list shows no discount for North Gates’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in North Gates.

Town Square →
Start the conversation

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