William Taylor House · Photo: Pubdog · Public domainLess hazard damage per building is expected in Royalton than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Royalton gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #259 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 10 claims here since 1998.
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 Royalton 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 Royalton’s grade
River and rain flooding is 93% of the building damage FEMA expects in Royalton, and Royalton’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts.
A− #259 of 758 in New York; lower expected damage per building than 83% of U.S. towns (21,298).
Royalton’s residents live in 2 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, Royalton has less expected damage per building than 66% of New York towns.
In dollars, FEMA expects about $1.5M a year in losses across Royalton: $1.3M to buildings, the rest to people and crops.
Does Royalton flood? Sometimes: 10 flood claims since 1998
Every paid claim on a federal flood insurance policy in Royalton, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Torrential rain1 claim · $5K
Royalton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Niagara County.5 federal disasters brought FEMA money to Royalton
Disasters that paid out in Royalton itself (aid to households or repair grants to the Town of Royalton), newest first, with that year’s flood claims.
- 2022Severe Winter Storm and Snowstorm$485K to the Town of Royalton for repairs1 flood claim paid that year
- 2006Severe Storms and Flooding$100K to the Town of Royalton for repairs
- 2004Severe Storms and Flooding$9K to the Town of Royalton for repairs
- 2000Severe Storms and Flooding$7K to the Town of Royalton for repairs1 flood claim paid that year
- 1999Snow$14K to the Town of Royalton for repairs1 flood claim paid that year
Niagara County has had 20 natural disasters declared by the President since 1953, most often winter storms, then severe 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 Royalton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Royalton archive →Royalton and its neighbors
Royalton is 3rd 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 |
|---|---|---|---|
| Shelby | Aless damage than 91% | river and rain flooding | 2 |
| Hartland | Aless damage than 88% | river and rain flooding | — |
| Royalton | A−less damage than 83% | river and rain flooding | 10 |
| Clarence | B+less damage than 70% | river and rain flooding | 22 |
| Newstead | Bless damage than 61% | river and rain flooding | 5 |
| Alabama | Bless damage than 58% | river and rain flooding | — |
| Lockport | — | not graded yet | |
| Rapids | — | 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 Royalton 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 Royalton
Is Royalton at risk for natural disasters?
On FEMA’s National Risk Index, Royalton has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #259 of 758 in New York. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Royalton flood?
Flood insurance has paid 10 claims in Royalton since 1998, $76K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Torrential rain (1).
Is Royalton 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 Niagara County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Royalton?
FEMA’s Community Rating System list shows no discount for Royalton’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 Royalton?
By FEMA money that reached Royalton, Severe Winter Storm and Snowstorm (2022): $485K to the Town of Royalton for repairs. By flood claims, Torrential rain: 1 paid, $5K.
Is Royalton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Royalton’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Royalton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Royalton’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.