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C−Hazard risk
Natural hazards in Woodhull · FEMA

FEMA puts Woodhull’s expected hazard damage per building above that of 79% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Woodhull gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 2 claims here since 1982.

River and rain flooding 97%Hurricanes 1%Tornadoes 1%

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

more than 79%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in New York · higher than 79% of U.S. towns
Main hazard
River and rain flooding
97% of expected building damage
Flood claims
2
paid since 1982 · $77K
Disasters paid out here
7
of 19 declared for Steuben County
By hazard

What Woodhull 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

97%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Hail Ice storms Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Woodhull’s grade

River and rain flooding is 97% of the building damage FEMA expects in Woodhull, and Woodhull’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts.

Where Woodhull sits
Woodhull
Least damageMiddleMost damage

C− higher expected damage per building than 79% of U.S. towns (21,298).

All of Woodhull’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding97%Everything else3%

In dollars, FEMA expects about $675K a year in losses across Woodhull: $592K to buildings, the rest to people and crops.

Shared tract.All of Woodhull’s 1,665 residents (2020 census) live in one census tract, which it shares with Tuscarora town (1,390 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Woodhull flood? Rarely: 2 flood claims since 1982

Every paid claim on a federal flood insurance policy in Woodhull, from FEMA’s records: 2.8 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1982: 1 claim1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims19822024
19822026
Biggest named events
  • Hurricane Debby1 claim · $77K
2
paid claims since 1982
$77K
paid to owners
0
homes flooded more than once
$39K
average claim
of all homes are insured
No community discount

Woodhull isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Steuben County.
Disasters

7 federal disasters brought FEMA money to Woodhull

Disasters that paid out in Woodhull itself (aid to households or repair grants to the Town of Woodhull), newest first, with that year’s flood claims.

  1. 2024Remnants of Tropical Storm Debby$877K to the Town of Woodhull for repairs1 flood claim paid for it, $77K
  2. 2021Remnants of Tropical Storm Fred$4.9M to the Town of Woodhull for repairs
  3. 2014Severe Storms and Flooding$504K to the Town of Woodhull for repairs
  4. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$447K to the Town of Woodhull for repairs
  5. 2004Severe Storms and Flooding18 households applied for aid$45K aid approved$117K to the Town of Woodhull for repairs
  6. 2004Severe Storms and Flooding$54K to the Town of Woodhull for repairs
Show all 7
  1. 2003Severe Storms, Flooding, and Tornadoes18 households applied for aid$20K aid approved$231K to the Town of Woodhull for repairs
Disasters declared, by decade
Paid out in WoodhullSteuben County only

Steuben County has had 19 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.

Were you here?

Old photos of Woodhull after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Woodhull archive →
Next door

Woodhull and its neighbors

Woodhull is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Troupsburg: hazard risk CRathbone: hazard risk C+Jasper: hazard risk CTuscarora: hazard risk C−Cameron: not gradedTroupsburgRathboneJasperTuscaroraCameronWoodhull
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
RathboneC+more damage than 60%river and rain flooding—
TroupsburgCmore damage than 68%river and rain flooding—
JasperCmore damage than 68%river and rain flooding2
TuscaroraC−more damage than 79%river and rain flooding9
WoodhullC−more damage than 79%river and rain flooding2
Cameron—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.

Be ready

Get ready for what Woodhull faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Woodhull

Is Woodhull at risk for natural disasters?

On FEMA’s National Risk Index, Woodhull has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (97%). 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.

Does Woodhull flood?

Flood insurance has paid 2 claims in Woodhull since 1982, $77K in all, or 2.8 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from Hurricane Debby (1).

Is Woodhull 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 Steuben County, 1.1% of all homes carry federal flood insurance.

How much is flood insurance in Woodhull?

FEMA’s Community Rating System list shows no discount for Woodhull’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 Woodhull?

By FEMA money that reached Woodhull, Remnants of Tropical Storm Fred (2021): $4.9M to the Town of Woodhull for repairs. By flood claims, Hurricane Debby: 1 paid, $77K.

Is Woodhull at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (97%), and Woodhull’s rate for it is in the top 10% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Woodhull.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodhull’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.