FEMA expects more hazard damage per building in Scio than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Scio gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 12 claims here since 1981.
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 Scio 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 Scio’s grade
River and rain flooding is 97% of the building damage FEMA expects in Scio, and Scio’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts.
D higher expected damage per building than 92% of U.S. towns (21,298).
Scio’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Scio: $1.1M to buildings, the rest to people and crops.
Does Scio flood? Sometimes: 12 flood claims since 1981
Every paid claim on a federal flood insurance policy in Scio, from FEMA’s records: 13.7 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
Scio isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allegany County.5 federal disasters brought FEMA money to Scio
Disasters that paid out in Scio itself (aid to households or repair grants to the Town of Scio), newest first, with that year’s flood claims.
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$469K to the Town of Scio for repairs
- 2004Severe Storms and Flooding$60K to the Town of Scio for repairs
- 2004Severe Storms and Flooding$36K to the Town of Scio for repairs
- 2003Severe Storms, Flooding, and Tornadoes15 households applied for aid$5K aid approved$168K to the Town of Scio for repairs
- 2000Severe Storms and Flooding$92K to the Town of Scio for repairs2 flood claims paid that year
Allegany County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Scio after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Scio archive →Scio and its neighbors
Scio is 4th 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 |
|---|---|---|---|
| Wirt | C−more damage than 81% | river and rain flooding | — |
| Andover | Dmore damage than 90% | river and rain flooding | 2 |
| Amity | Dmore damage than 91% | river and rain flooding | 7 |
| Scio | Dmore damage than 92% | river and rain flooding | 12 |
| Wellsville | Dmore damage than 92% | river and rain flooding | 23 |
| Alma | — | 644 residents; we grade 1,000+ | |
| Ward | — | 384 residents; we grade 1,000+ | |
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 Scio 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 Scio
Is Scio at risk for natural disasters?
On FEMA’s National Risk Index, Scio has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (97%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Scio flood?
Flood insurance has paid 12 claims in Scio since 1981, $49K in all, or 13.7 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record.
Is Scio 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 Allegany County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Scio?
FEMA’s Community Rating System list shows no discount for Scio’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 Scio?
By FEMA money that reached Scio, Severe Storms, Flooding, Tornadoes, and Straight-line Winds (2011): $469K to the Town of Scio for repairs.
Is Scio at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Scio’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Scio.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Scio’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.