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 4.0Less hazard damage per building is expected in Sangerfield than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sangerfield gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 1 claim here since 2013.
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 Sangerfield 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 Sangerfield’s grade
River and rain flooding is 90% of the building damage FEMA expects in Sangerfield, and Sangerfield’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts.
A− lower expected damage per building than 83% of U.S. towns (21,298).
All of Sangerfield’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $632K a year in losses across Sangerfield: $508K to buildings, the rest to people and crops.
Does Sangerfield flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Sangerfield, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
Sangerfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oneida County.10 federal disasters brought FEMA money to Sangerfield
Disasters that paid out in Sangerfield itself (aid to households or repair grants to the Town of Sangerfield), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$196K to the Town of Sangerfield for repairs
- 2017Severe Winter Storm and Snowstorm$17K to the Town of Sangerfield for repairs
- 2013Severe Storms and Flooding$142K to the Town of Sangerfield for repairs1 flood claim paid that year
- 2011Remnants of Tropical Storm Lee2 households applied for aid$1K aid approved
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$63K to the Town of Sangerfield for repairs
- 2007Record Snow and Near Record Snow$8K to the Town of Sangerfield for repairs
Show all 10
- 2004Snow$7K to the Town of Sangerfield for repairs
- 2003Ice Storm$8K to the Town of Sangerfield for repairs
- 2002Snowstorms$8K to the Town of Sangerfield for repairs
- 2000Severe Storms and Flooding$28K to the Town of Sangerfield for repairs
Oneida County has had 21 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 Sangerfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sangerfield archive →Sangerfield and its neighbors
Sangerfield has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sangerfield | A−less damage than 83% | river and rain flooding | 1 |
| Marshall | B+less damage than 68% | river and rain flooding | 1 |
| Madison | B−less damage than 52% | river and rain flooding | 2 |
| Bridgewater | B−less damage than 50% | river and rain flooding | — |
| Brookfield | Cmore damage than 74% | river and rain flooding | 3 |
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 Sangerfield 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 Sangerfield
Is Sangerfield at risk for natural disasters?
On FEMA’s National Risk Index, Sangerfield has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 Sangerfield flood?
Flood insurance has paid 1 claim in Sangerfield since 2013, $5K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record.
Is Sangerfield 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 Oneida 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 Sangerfield?
FEMA’s Community Rating System list shows no discount for Sangerfield’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 Sangerfield?
By FEMA money that reached Sangerfield, Severe Storms, Straight-line Winds, and Flooding (2019): $196K to the Town of Sangerfield for repairs.
Is Sangerfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Sangerfield’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sangerfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sangerfield’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.