Truxton Depot · Photo: Dj paige · CC BY-SA 4.0Storms, floods and disasters in Truxton
Truxton isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Truxton yet. Flood insurance has paid 14 claims here since 1981.
What Truxton 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.
Does Truxton flood? Sometimes: 14 flood claims since 1981
Every paid claim on a federal flood insurance policy in Truxton, from FEMA’s records.
- The Torrential rain2 claims · $42K
Truxton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cortland County.3 federal disasters brought FEMA money to Truxton
Disasters that paid out in Truxton itself (aid to households or repair grants to the Town of Truxton), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$8K to the Town of Truxton for repairs
- 2006Severe Storms and Flooding$29K to the Town of Truxton for repairs
- 2005Severe Storms and Flooding10 households applied for aid$9K aid approved$27K to the Town of Truxton for repairs2 flood claims paid that year
Cortland County has had 13 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 Truxton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Truxton archive →Truxton and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tully | Aless damage than 94% | river and rain flooding | — |
| Fabius | A−less damage than 84% | river and rain flooding | 1 |
| Preble | Bless damage than 55% | river and rain flooding | 3 |
| Solon | Cmore damage than 69% | river and rain flooding | — |
| Homer | C−more damage than 80% | river and rain flooding | 7 |
| Cuyler | — | 738 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 Truxton 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 Truxton
Does Truxton flood?
Flood insurance has paid 14 claims in Truxton since 1981, $140K in all. 3 properties have flooded more than once. The most claims came from Torrential rain (2).
Is Truxton 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 Cortland County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Truxton?
FEMA’s Community Rating System list shows no discount for Truxton’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 Truxton?
By FEMA money that reached Truxton, Severe Storms and Flooding (2005): 10 households applied for aid, $9K approved, and $27K to the Town of Truxton for repairs. By flood claims, Torrential rain: 2 paid, $42K.
Storm stories
Memories, warnings and help from neighbors in Truxton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Truxton’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.