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C+Hazard risk
Natural hazards in Orange · FEMA

More hazard damage per building is expected in Orange than in 62% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Orange gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 11 claims here since 1978.

River and rain flooding 94%Hurricanes 2%Ice storms 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 62%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 62% of U.S. towns
Main hazard
River and rain flooding
94% of expected building damage
Flood claims
11
paid since 1978 · $122K
Flooded more than once
2
properties
Disasters paid out here
1
of 9 declared for Schuyler County
By hazard

What Orange 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 81% of U.S. census tracts
Recorded about once every 2 years in the area
Smaller shares here
 Hurricanes Ice storms Tornadoes Strong wind Earthquakes Hail Wildfire Winter storms 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 Orange’s grade

River and rain flooding is 94% of the building damage FEMA expects in Orange, and Orange’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts.

Where Orange sits
Orange
Least damageMiddleMost damage

C+ higher expected damage per building than 62% of U.S. towns (21,298).

All of Orange’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 $598K a year in losses across Orange: $515K to buildings, the rest to people and crops.

Shared tract.All of Orange’s 1,408 residents (2020 census) live in one census tract, which it shares with Tyrone town (1,637 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Orange flood? Sometimes: 11 flood claims since 1978

Every paid claim on a federal flood insurance policy in Orange, from FEMA’s records: 15.5 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 4 claims1980: 2 claims1981: 0 claims1982: 0 claims1983: 2 claims1984: 1 claim1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 1 claim2006: 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 claims197919801983
19782026
Biggest named events
  • The Torrential rain1 claim · $94K
11
paid claims since 1978
$122K
paid to owners
2
homes flooded more than once
$11K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

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

Insurance rates: Schuyler County.
Disasters

1 federal disaster brought FEMA money to Orange

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

  1. 2003Severe Storms, Flooding, and Tornadoes$119K to the Town of Orange for repairs
Disasters declared, by decade
Paid out in OrangeSchuyler County only

Schuyler County has had 9 natural disasters declared by the President since 1953, most often floods, then severe storms. 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 Orange after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Orange archive →
Next door

Orange and its neighbors

Orange is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Hornby: hazard risk B−Tyrone: hazard risk C+Bradford: not gradedDix: hazard risk B+HornbyTyroneBradfordDixOrange
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
DixB+less damage than 72%river and rain flooding2
HornbyB−more damage than 55%river and rain flooding3
TyroneC+more damage than 62%river and rain flooding—
OrangeC+more damage than 62%river and rain flooding11
Bradford—695 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.

Be ready

Get ready for what Orange 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 Orange

Is Orange at risk for natural disasters?

On FEMA’s National Risk Index, Orange has higher expected damage per building than 62% 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 Orange flood?

Flood insurance has paid 11 claims in Orange since 1978, $122K in all, or 15.5 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Torrential rain (1).

Is Orange 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 Schuyler County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Orange?

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

By FEMA money that reached Orange, Severe Storms, Flooding, and Tornadoes (2003): $119K to the Town of Orange for repairs. By flood claims, Torrential rain: 1 paid, $94K.

Is Orange at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (94%), and Orange’s rate for it is higher than 81% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Orange.

Town Square →
Start the conversation

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