Jeremiah Cronkite House · Photo: Steven Hamsness · CC BY-SA 4.0FEMA puts Victor’s expected hazard damage per building below that of 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Victor gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #204 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 2 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 Victor 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 Victor’s grade
River and rain flooding is 93% of the building damage FEMA expects in Victor, and Victor’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts.
A #204 of 758 in New York; lower expected damage per building than 88% of U.S. towns (21,298).
Victor’s residents live in 5 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, Victor has less expected damage per building than 73% of New York towns.
In dollars, FEMA expects about $4.0M a year in losses across Victor: $3.6M to buildings, the rest to people and crops.
Does Victor flood? Rarely: 2 flood claims since 1998
Every paid claim on a federal flood insurance policy in Victor, from FEMA’s records: 0.3 per 1,000 homes, fewer than 95% of the 13,809 U.S. towns with a flood insurance record.
Victor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ontario County.3 federal disasters brought FEMA money to Victor
Disasters that paid out in Victor itself (aid to households or repair grants to the Town of Victor), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding$5K to the Town of Victor for repairs
- 2003Ice Storm$59K to the Town of Victor for repairs
- 1999Snow$15K to the Town of Victor for repairs
Ontario County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter 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 Victor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Victor archive →Victor and its neighbors
Victor is 4th 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 |
|---|---|---|---|
| Perinton | A+among the lowest damage | river and rain flooding | 22 |
| East Bloomfield | A+among the lowest damage | river and rain flooding | 3 |
| Farmington | Aless damage than 88% | river and rain flooding | — |
| Victor | Aless damage than 88% | river and rain flooding | 2 |
| Mendon | B+less damage than 73% | river and rain flooding | 10 |
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 Victor 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 Victor
Is Victor at risk for natural disasters?
On FEMA’s National Risk Index, Victor has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #204 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 Victor flood?
Flood insurance has paid 2 claims in Victor since 1998, $29K in all, or 0.3 per 1,000 homes, fewer than 95% of U.S. towns with a flood insurance record.
Is Victor 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 Ontario County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Victor?
FEMA’s Community Rating System list shows no discount for Victor’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 Victor?
By FEMA money that reached Victor, Ice Storm (2003): $59K to the Town of Victor for repairs.
Is Victor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Victor’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Victor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Victor’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.