Photo: Mitchazenia · CC BY-SA 4.0FEMA expects less hazard damage per building in Pamelia than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pamelia gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #142 of 758 in New York. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 2 claims here since 1984.
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 Pamelia 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
Earthquakes
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 Pamelia’s grade
River and rain flooding is 86% of the building damage FEMA expects in Pamelia, and Pamelia’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is earthquakes at 6% (higher than 52% of U.S. census tracts).
A #142 of 758 in New York; lower expected damage per building than 92% of U.S. towns (21,298).
Pamelia’s residents live in 5 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, Pamelia has less expected damage per building than 81% of New York towns.
In dollars, FEMA expects about $567K a year in losses across Pamelia: $455K to buildings, the rest to people and crops.
Does Pamelia flood? Rarely: 2 flood claims since 1984
Every paid claim on a federal flood insurance policy in Pamelia, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
Pamelia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.2 federal disasters brought FEMA money to Pamelia
Disasters that paid out in Pamelia itself (aid to households or repair grants to the Town of Pamelia), newest first, with that year’s flood claims.
- 2014Severe Winter Storm, Snowstorm, and Flooding$7K to the Town of Pamelia for repairs
- 1999Snow$6K to the Town of Pamelia for repairs1 flood claim paid that year
Jefferson 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.
Old photos of Pamelia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pamelia archive →Pamelia and its neighbors
Pamelia has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pamelia | Aless damage than 92% | river and rain flooding | 2 |
| Le Ray | Aless damage than 91% | river and rain flooding | — |
| Orleans | Aless damage than 87% | river and rain flooding | 3 |
| Brownville | A−less damage than 85% | river and rain flooding | 12 |
| Watertown | A−less damage than 84% | river and rain flooding | 3 |
| Watertown | A−less damage than 77% | river and rain flooding | 15 |
| Glen Park | — | 624 residents; we grade 1,000+ | |
| Calcium | — | a Census area inside a town; graded with the town | |
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 Pamelia 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Pamelia
Is Pamelia at risk for natural disasters?
On FEMA’s National Risk Index, Pamelia has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #142 of 758 in New York. Most of the expected damage is river and rain flooding (86%) and earthquakes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pamelia flood?
Flood insurance has paid 2 claims in Pamelia since 1984, $5K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record.
Is Pamelia 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 Jefferson County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Pamelia?
FEMA’s Community Rating System list shows no discount for Pamelia’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 Pamelia?
By FEMA money that reached Pamelia, Severe Winter Storm, Snowstorm, and Flooding (2014): $7K to the Town of Pamelia for repairs.
Is Pamelia at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Pamelia’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pamelia.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pamelia’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.