Photo: Andre Carrotflower · CC BY-SA 4.0On FEMA’s figures, Silver Creek faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Silver Creek gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #479 of 758 in New York. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 71 claims here since 1978.
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 Silver Creek 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 Silver Creek’s grade
River and rain flooding is 94% of the building damage FEMA expects in Silver Creek, and Silver Creek’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts.
B #479 of 758 in New York; lower expected damage per building than 57% of U.S. towns (21,298).
All of Silver Creek’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Silver Creek has more expected damage per building than 63% of New York towns.
In dollars, FEMA expects about $804K a year in losses across Silver Creek: $694K to buildings, the rest to people and crops.
Does Silver Creek flood? Sometimes: 71 flood claims since 1978
Every paid claim on a federal flood insurance policy in Silver Creek, from FEMA’s records: 61.6 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Late summer storms6 claims · $661K
Silver Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chautauqua County.7 federal disasters brought FEMA money to Silver Creek
Disasters that paid out in Silver Creek itself (aid to households or repair grants to the Village of Silver Creek), newest first, with that year’s flood claims.
- 2014Severe Winter Storm, Snowstorm, and Flooding$13K to the Village of Silver Creek for repairs
- 2014Severe Storms and Flooding$9K to the Village of Silver Creek for repairs
- 2009Severe Storms and Flooding283 households applied for aid$1.8M aid approved$1.8M to the Village of Silver Creek for repairs6 flood claims paid that year
- 2005Severe Storms and Flooding$4K to the Village of Silver Creek for repairs1 flood claim paid that year
- 2001Snow$12K to the Village of Silver Creek for repairs
- 2000Snow$4K to the Village of Silver Creek for repairs
Show all 7
- 1999Snow$6K to the Village of Silver Creek for repairs
Chautauqua County has had 18 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 Silver Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Silver Creek archive →Silver Creek and its neighbors
Silver Creek is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Silver Creek 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 Silver Creek
Is Silver Creek at risk for natural disasters?
On FEMA’s National Risk Index, Silver Creek has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #479 of 758 in New York. Most of the expected damage is river and rain flooding (94%). 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 Silver Creek flood?
Flood insurance has paid 71 claims in Silver Creek since 1978, $1.6M in all, or 61.6 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 13 properties have flooded more than once. The most claims came from Late summer storms (6).
Is Silver Creek 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 Chautauqua County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Silver Creek?
FEMA’s Community Rating System list shows no discount for Silver Creek’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 Silver Creek?
By FEMA money that reached Silver Creek, Severe Storms and Flooding (2009): 283 households applied for aid, $1.8M approved, and $1.8M to the Village of Silver Creek for repairs. By flood claims, Late summer storms: 6 paid, $661K.
Is Silver Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Silver Creek’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Silver Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Silver Creek’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.