On FEMA’s figures, few U.S. towns expect less hazard damage per building than Spencerport, mostly from river and rain flooding
On FEMA’s National Risk Index, Spencerport gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #5 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 9 claims here since 1998.
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 Spencerport 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 Spencerport’s grade
River and rain flooding is 93% of the building damage FEMA expects in Spencerport, and Spencerport’s rate of river and rain flooding damage is lower than 90% of U.S. census tracts.
A+ #5 of 758 in New York; among the lowest expected damage per building of U.S. towns (21,298).
Spencerport’s residents live in 3 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, Spencerport has less expected damage per building than 99% of New York towns.
In dollars, FEMA expects about $429K a year in losses across Spencerport: $270K to buildings, the rest to people and crops.
Does Spencerport flood? Rarely: 9 flood claims since 1998
Every paid claim on a federal flood insurance policy in Spencerport, from FEMA’s records: 5.6 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
Spencerport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.3 federal disasters brought FEMA money to Spencerport
Disasters that paid out in Spencerport itself (aid to households or repair grants to the Village of Spencerport), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding42 households applied for aid$42K aid approved$7K to the Village of Spencerport for repairs5 flood claims paid that year
- 2003Ice Storm38 households applied for aid$29K aid approved$43K to the Village of Spencerport for repairs
- 1999Snow$9K to the Village of Spencerport for repairs
Monroe County has had 15 natural disasters declared by the President since 1953, most often winter 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 Spencerport after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spencerport archive →Get ready for what Spencerport 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 Spencerport
Is Spencerport at risk for natural disasters?
On FEMA’s National Risk Index, Spencerport has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #5 of 758 in New York. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spencerport flood?
Flood insurance has paid 9 claims in Spencerport since 1998, $161K in all, or 5.6 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record.
Is Spencerport 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 Monroe County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Spencerport?
FEMA’s Community Rating System list shows no discount for Spencerport’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 Spencerport?
By FEMA money that reached Spencerport, Ice Storm (2003): 38 households applied for aid, $29K approved, and $43K to the Village of Spencerport for repairs.
Is Spencerport at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Spencerport’s rate for it is lower than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spencerport.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spencerport’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.