Pulaski Village Historic District · Photo: Stephen Schweitzer · CC BY-SA 4.0Less hazard damage per building is expected in Richland than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Richland gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #304 of 758 in New York. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 5 claims here since 1979.
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 Richland 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 Richland’s grade
River and rain flooding is 92% of the building damage FEMA expects in Richland, and Richland’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts.
A− #304 of 758 in New York; lower expected damage per building than 78% of U.S. towns (21,298).
Richland’s residents live in 3 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, Richland has less expected damage per building than 60% of New York towns.
In dollars, FEMA expects about $1.9M a year in losses across Richland: $1.7M to buildings, the rest to people and crops.
Does Richland flood? Rarely: 5 flood claims since 1979
Every paid claim on a federal flood insurance policy in Richland, from FEMA’s records: 1.8 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Richland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oswego County.2 federal disasters brought FEMA money to Richland
Disasters that paid out in Richland itself (aid to households or repair grants to the Town of Richland), newest first, with that year’s flood claims.
- 2007Record Snow and Near Record Snow$16K to the Town of Richland for repairs
- 2004Snow$14K to the Town of Richland for repairs
Oswego County has had 15 natural disasters declared by the President since 1953, most often floods, 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 Richland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Richland archive →Richland and its neighbors
Richland is 2nd of the 5 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 |
|---|---|---|---|
| Mexico | A−less damage than 78% | river and rain flooding | 7 |
| Richland | A−less damage than 78% | river and rain flooding | 5 |
| Sandy Creek | B+less damage than 74% | river and rain flooding | 18 |
| Albion | B+less damage than 65% | river and rain flooding | — |
| Orwell | B+less damage than 65% | river and rain flooding | — |
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 Richland 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 Richland
Is Richland at risk for natural disasters?
On FEMA’s National Risk Index, Richland has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #304 of 758 in New York. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Richland flood?
Flood insurance has paid 5 claims in Richland since 1979, $29K in all, or 1.8 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.
Is Richland 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 Oswego County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Richland?
FEMA’s Community Rating System list shows no discount for Richland’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 Richland?
By FEMA money that reached Richland, Record Snow and Near Record Snow (2007): $16K to the Town of Richland for repairs.
Is Richland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Richland’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Richland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Richland’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.