FEMA expects less hazard damage per building in Victor than in 96% 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 96% of U.S. towns, #64 of 758 in New York. Most of that expected damage is river and rain flooding (92%). 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 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 92% of the building damage FEMA expects in Victor, and Victor’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts.
A+ #64 of 758 in New York; lower expected damage per building than 96% of U.S. towns (21,298).
All of Victor’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, Victor has less expected damage per building than 92% of New York towns.
In dollars, FEMA expects about $504K a year in losses across Victor: $442K to buildings, the rest to people and crops.
Does Victor flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Victor. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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.2 federal disasters brought FEMA money to Victor
Disasters that paid out in Victor itself (aid to households or repair grants to the Village of Victor), newest first, with that year’s flood claims.
- 2003Ice Storm28 households applied for aid$10K aid approved$37K to the Village of Victor for repairs
- 1999Snow$6K to the Village 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 →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 96% of U.S. towns: A+ for hazard risk, #64 of 758 in New York. Most of the expected damage is river and rain flooding (92%). 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 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): 28 households applied for aid, $10K approved, and $37K to the Village 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 (92%), and Victor’s rate for it is lower than 72% 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.