On FEMA’s figures, Tully faces less hazard damage per building than 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tully gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #104 of 758 in New York. Most of that expected damage is river and rain flooding (86%). FEMA’s files show no paid flood insurance claims here.
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 Tully 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 Tully’s grade
River and rain flooding is 86% of the building damage FEMA expects in Tully, and Tully’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts.
A #104 of 758 in New York; lower expected damage per building than 94% of U.S. towns (21,298).
All of Tully’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, Tully has less expected damage per building than 86% of New York towns.
In dollars, FEMA expects about $685K a year in losses across Tully: $569K to buildings, the rest to people and crops.
Does Tully flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tully. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tully 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.3 federal disasters brought FEMA money to Tully
Disasters that paid out in Tully itself (aid to households or repair grants to the Town of Tully), newest first, with that year’s flood claims.
- 2021Remnants of Tropical Storm Fred$737K to the Town of Tully for repairs
- 2004Severe Storms and Flooding$438K to the Town of Tully for repairs
- 2003Ice Storm$4K to the Town of Tully 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 Tully after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tully archive →Tully and its neighbors
Tully is 3rd 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 |
|---|---|---|---|
| Otisco | A+less damage than 98% | river and rain flooding | 3 |
| Spafford | Aless damage than 95% | river and rain flooding | 2 |
| Tully | Aless damage than 94% | river and rain flooding | 0 |
| Fabius | A−less damage than 84% | river and rain flooding | 1 |
| Preble | Bless damage than 55% | river and rain flooding | 3 |
| Truxton | — | not graded yet | |
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 Tully 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 Tully
Is Tully at risk for natural disasters?
On FEMA’s National Risk Index, Tully has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #104 of 758 in New York. Most of the expected damage is river and rain flooding (86%). 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.
Is Tully 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 Tully?
FEMA’s Community Rating System list shows no discount for Tully’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 Tully?
By FEMA money that reached Tully, Remnants of Tropical Storm Fred (2021): $737K to the Town of Tully for repairs.
Is Tully at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Tully’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tully.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tully’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.