Photo: Adam Moss from East Amherst, New York, United States · CC BY-SA 2.0More hazard damage per building is expected in Shinglehouse than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Shinglehouse gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 1 claim here since 1996.
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 Shinglehouse 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 Shinglehouse’s grade
River and rain flooding is 94% of the building damage FEMA expects in Shinglehouse, and Shinglehouse’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
All of Shinglehouse’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $312K a year in losses across Shinglehouse: $240K to buildings, the rest to people and crops.
Does Shinglehouse flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Shinglehouse, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Shinglehouse isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Potter County.1 federal disaster brought FEMA money to Shinglehouse
Disasters that paid out in Shinglehouse itself (aid to households or repair grants to the Borough of Shinglehouse), newest first, with that year’s flood claims.
- 2003Severe Storms, Tornadoes, and Flooding5 households applied for aid$2K aid approved
Potter County has had 10 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Shinglehouse after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shinglehouse archive →Shinglehouse and its neighbors
Shinglehouse has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Shinglehouse | Cmore damage than 73% | river and rain flooding | 1 |
| Sharon Township | — | 704 residents; we grade 1,000+ | |
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 Shinglehouse 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 Shinglehouse
Is Shinglehouse at risk for natural disasters?
On FEMA’s National Risk Index, Shinglehouse has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Shinglehouse flood?
Flood insurance has paid 1 claim in Shinglehouse since 1996, $13K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Shinglehouse 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 Potter County, 10% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Shinglehouse?
FEMA’s Community Rating System list shows no discount for Shinglehouse’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 Shinglehouse?
By FEMA money that reached Shinglehouse, Severe Storms, Tornadoes, and Flooding (2003): 5 households applied for aid, $2K approved.
Is Shinglehouse at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Shinglehouse’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shinglehouse.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shinglehouse’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.