Photo: The original uploader was Phmalo at English Wikipedia. · CC BY-SA 2.5Less hazard damage per building is expected in Skaneateles than in 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Skaneateles gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #116 of 758 in New York. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 4 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 Skaneateles 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 Skaneateles’ grade
River and rain flooding is 86% of the building damage FEMA expects in Skaneateles, and Skaneateles’ rate of river and rain flooding damage is lower than 72% of U.S. census tracts.
A #116 of 758 in New York; lower expected damage per building than 93% of U.S. towns (21,298).
Skaneateles’ 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, Skaneateles has less expected damage per building than 85% of New York towns.
In dollars, FEMA expects about $649K a year in losses across Skaneateles: $551K to buildings, the rest to people and crops.
Does Skaneateles flood? Rarely: 4 flood claims since 1978
Every paid claim on a federal flood insurance policy in Skaneateles, 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.
- Tropical Storm Fred1 claim · $2K
Skaneateles isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Onondaga County.1 federal disaster brought FEMA money to Skaneateles
Disasters that paid out in Skaneateles itself (aid to households or repair grants to the Village of Skaneateles), newest first, with that year’s flood claims.
- 2003Ice Storm9 households applied for aid$3K aid approved$17K to the Village of Skaneateles for repairs
Onondaga County has had 13 natural disasters declared by the President since 1953, most often floods, 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 Skaneateles after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Skaneateles archive →Get ready for what Skaneateles 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 Skaneateles
Is Skaneateles at risk for natural disasters?
On FEMA’s National Risk Index, Skaneateles has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #116 of 758 in New York. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Skaneateles flood?
Flood insurance has paid 4 claims in Skaneateles since 1978, $24K 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 Tropical Storm Fred (1).
Is Skaneateles 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 Onondaga County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Skaneateles?
FEMA’s Community Rating System list shows no discount for Skaneateles’ 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 Skaneateles?
By FEMA money that reached Skaneateles, Ice Storm (2003): 9 households applied for aid, $3K approved, and $17K to the Village of Skaneateles for repairs. By flood claims, Tropical Storm Fred: 1 paid, $2K.
Is Skaneateles at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Skaneateles’ rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Skaneateles.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Skaneateles’ 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.