Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0On FEMA’s figures, Root faces more hazard damage per building than 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Root 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 (93%). 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 Root 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 Root’s grade
River and rain flooding is 93% of the building damage FEMA expects in Root, and Root’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ higher expected damage per building than 62% of U.S. towns (21,298).
All of Root’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $810K a year in losses across Root: $631K to buildings, the rest to people and crops.
Does Root flood? Rarely: 5 flood claims since 1979
Every paid claim on a federal flood insurance policy in Root, from FEMA’s records: 6.0 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
Root isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.6 federal disasters brought FEMA money to Root
Disasters that paid out in Root itself (aid to households or repair grants to the Town of Root), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$10K to the Town of Root for repairs
- 2013Severe Storms and Flooding$28K to the Town of Root for repairs
- 2011Remnants of Tropical Storm Lee$29K to the Town of Root for repairs
- 2011Hurricane Irene$6K to the Town of Root for repairs
- 2006Severe Storms and Flooding$31K to the Town of Root for repairs1 flood claim paid that year
- 2002Snowstorms$7K to the Town of Root for repairs
Montgomery County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical 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 Root after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Root archive →Root and its neighbors
Root is 6th of the 8 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 |
|---|---|---|---|
| Carlisle | B+less damage than 70% | river and rain flooding | — |
| Sharon | B+less damage than 70% | river and rain flooding | 1 |
| Charleston | Bless damage than 60% | river and rain flooding | 12 |
| Palatine | B−less damage than 51% | river and rain flooding | 2 |
| Glen | C+more damage than 62% | river and rain flooding | 7 |
| Root | C+more damage than 62% | river and rain flooding | 5 |
| Mohawk | Cmore damage than 69% | river and rain flooding | 4 |
| Canajoharie | C−more damage than 80% | river and rain flooding | 6 |
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 Root 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 Root
Is Root at risk for natural disasters?
On FEMA’s National Risk Index, Root 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 (93%). 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 Root flood?
Flood insurance has paid 5 claims in Root since 1979, $24K in all, or 6.0 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record.
Is Root 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 Montgomery County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Root?
FEMA’s Community Rating System list shows no discount for Root’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 Root?
By FEMA money that reached Root, Severe Storms and Flooding (2006): $31K to the Town of Root for repairs.
Is Root at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Root’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Root.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Root’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.