Photo: Adam Moss from East Amherst, New York, United States · CC BY-SA 2.0Storms, floods and disasters in Mill Village
Mill Village isn’t graded for hazard risk: Mill Village has 334 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1978.
What Mill Village 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 Mill Village flood? Rarely: 1 flood claim since 1978
Every paid claim on a federal flood insurance policy in Mill Village, from FEMA’s records.
Mill Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Erie County.The storms Mill Village remembers
None of the 8 disasters declared for Erie County shows FEMA aid or repair money reaching Mill Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 19781 flood claims paidNo declaration for the county that year
Erie County has had 8 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Mill Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mill Village archive →Get ready for what Mill Village 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 Mill Village
Does Mill Village flood?
Flood insurance has paid 1 claim in Mill Village since 1978, $900 in all.
Is Mill Village 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 Erie County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Mill Village?
FEMA’s Community Rating System list shows no discount for Mill Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Mill Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mill Village’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.