Northrup-Gilbert House · Photo: Josh Peelman · CC BY-SA 4.0FEMA puts Schroeppel’s expected hazard damage per building above that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Schroeppel gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns, #620 of 758 in New York. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 11 claims here since 1993.
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 Schroeppel 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 Schroeppel’s grade
River and rain flooding is 94% of the building damage FEMA expects in Schroeppel, and Schroeppel’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
C #620 of 758 in New York; higher expected damage per building than 65% of U.S. towns (21,298).
Schroeppel’s residents live in 4 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, Schroeppel has more expected damage per building than 82% of New York towns.
In dollars, FEMA expects about $2.3M a year in losses across Schroeppel: $2.1M to buildings, the rest to people and crops.
Does Schroeppel flood? Sometimes: 11 flood claims since 1993
Every paid claim on a federal flood insurance policy in Schroeppel, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Schroeppel 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.3 federal disasters brought FEMA money to Schroeppel
Disasters that paid out in Schroeppel itself (aid to households or repair grants to the Town of Schroeppel), newest first, with that year’s flood claims.
- 2007Record Snow and Near Record Snow$19K to the Town of Schroeppel for repairs
- 2004Snow$6K to the Town of Schroeppel for repairs
- 2003Ice Storm$36K to the Town of Schroeppel 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 Schroeppel after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Schroeppel archive →Schroeppel and its neighbors
Schroeppel is 7th 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 |
|---|---|---|---|
| Volney | A−less damage than 84% | river and rain flooding | — |
| Clay | A−less damage than 82% | river and rain flooding | 53 |
| Palermo | B+less damage than 72% | river and rain flooding | 1 |
| Granby | B+less damage than 72% | river and rain flooding | 1 |
| Lysander | Bless damage than 61% | river and rain flooding | 45 |
| Hastings | B−less damage than 52% | river and rain flooding | 6 |
| Schroeppel | Cmore damage than 65% | river and rain flooding | 11 |
| Phoenix | Cmore damage than 69% | river and rain flooding | 1 |
| Sand Ridge | — | 838 residents; we grade 1,000+ | |
| Radisson | — | 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 Schroeppel 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 Schroeppel
Is Schroeppel at risk for natural disasters?
On FEMA’s National Risk Index, Schroeppel has higher expected damage per building than 65% of U.S. towns: C for hazard risk, #620 of 758 in New York. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Schroeppel flood?
Flood insurance has paid 11 claims in Schroeppel since 1993, $48K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Schroeppel 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 Schroeppel?
FEMA’s Community Rating System list shows no discount for Schroeppel’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 Schroeppel?
By FEMA money that reached Schroeppel, Ice Storm (2003): $36K to the Town of Schroeppel for repairs.
Is Schroeppel at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Schroeppel’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Schroeppel.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Schroeppel’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.