Dayton's Corners School · Photo: Matthew D. Wilson (LtPowers) · CC BY-SA 3.0FEMA expects less hazard damage per building in Penfield than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Penfield gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #358 of 758 in New York. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 21 claims here since 1982.
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 stands out about Penfield’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Penfield 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 Penfield’s grade
River and rain flooding is 97% of the building damage FEMA expects in Penfield, and Penfield’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts.
B+ #358 of 758 in New York; lower expected damage per building than 72% of U.S. towns (21,298).
Penfield’s residents live in 9 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, Penfield has less expected damage per building than 53% of New York towns.
In dollars, FEMA expects about $10.0M a year in losses across Penfield: $8.3M to buildings, the rest to people and crops.
Does Penfield flood? Sometimes: 21 flood claims since 1982
Every paid claim on a federal flood insurance policy in Penfield, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.
Penfield 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.3 federal disasters brought FEMA money to Penfield
Disasters that paid out in Penfield itself (aid to households or repair grants to the Town of Penfield), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding5 households applied for aid$4K aid approved5 flood claims paid that year
- 2003Ice Storm92 households applied for aid$81K aid approved$221K to the Town of Penfield for repairs
- 1999Snow$35K to the Town of Penfield for repairs
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.
Old photos of Penfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Penfield archive →Penfield and its neighbors
Penfield 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 |
|---|---|---|---|
| Perinton | A+among the lowest damage | river and rain flooding | 22 |
| Webster | A+less damage than 98% | river and rain flooding | 29 |
| Walworth | Aless damage than 90% | river and rain flooding | — |
| Brighton | A−less damage than 77% | river and rain flooding | 14 |
| Penfield | B+less damage than 72% | river and rain flooding | 21 |
| Irondequoit | B+less damage than 66% | river and rain flooding | 29 |
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 Penfield 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 Penfield
Is Penfield at risk for natural disasters?
On FEMA’s National Risk Index, Penfield has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #358 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 Penfield flood?
Flood insurance has paid 21 claims in Penfield since 1982, $447K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. 5 properties have flooded more than once.
Is Penfield 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 Penfield?
FEMA’s Community Rating System list shows no discount for Penfield’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 Penfield?
By FEMA money that reached Penfield, Ice Storm (2003): 92 households applied for aid, $81K approved, and $221K to the Town of Penfield for repairs.
Is Penfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Penfield’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Penfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Penfield’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.