FEMA expects more hazard damage per building in Nunda than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Nunda gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 3 claims here since 2003.
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 Nunda 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 Nunda’s grade
River and rain flooding is 97% of the building damage FEMA expects in Nunda, and Nunda’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts.
C− higher expected damage per building than 79% of U.S. towns (21,298).
All of Nunda’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $552K a year in losses across Nunda: $497K to buildings, the rest to people and crops.
Does Nunda flood? Rarely: 3 flood claims since 2003
Every paid claim on a federal flood insurance policy in Nunda, from FEMA’s records: 4.7 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.
Nunda isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.5 federal disasters brought FEMA money to Nunda
Disasters that paid out in Nunda itself (aid to households or repair grants to the Village of Nunda), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$29K to the Village of Nunda for repairs
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$6K to the Village of Nunda for repairs
- 2003Severe Storms, Flooding, and Tornadoes29 households applied for aid$52K aid approved$726K to the Village of Nunda for repairs
- 2003Ice Storm$1K to the Village of Nunda for repairs
- 1999Snow$1K to the Village of Nunda for repairs
Livingston County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter 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 Nunda after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Nunda archive →Get ready for what Nunda 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 Nunda
Is Nunda at risk for natural disasters?
On FEMA’s National Risk Index, Nunda has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (97%). 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 Nunda flood?
Flood insurance has paid 3 claims in Nunda since 2003, $62K in all, or 4.7 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record.
Is Nunda 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 Livingston County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Nunda?
FEMA’s Community Rating System list shows no discount for Nunda’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 Nunda?
By FEMA money that reached Nunda, Severe Storms, Flooding, and Tornadoes (2003): 29 households applied for aid, $52K approved, and $726K to the Village of Nunda for repairs.
Is Nunda at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Nunda’s rate for it is in the top 10% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Nunda.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Nunda’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.