Photo: Ascended Dreamer · CC BY-SA 4.0More hazard damage per building is expected in Glover than in 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Glover gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 9 claims here since 1994.
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 Glover 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 Glover’s grade
River and rain flooding is 93% of the building damage FEMA expects in Glover, and Glover’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C higher expected damage per building than 69% of U.S. towns (21,298).
All of Glover’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $710K a year in losses across Glover: $639K to buildings, the rest to people and crops.
Does Glover flood? Rarely: 9 flood claims since 1994
Every paid claim on a federal flood insurance policy in Glover, from FEMA’s records: 12.6 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Vermont/New York Flooding2 claims · $104K
Glover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orleans County.8 federal disasters brought FEMA money to Glover
Disasters that paid out in Glover itself (aid to households or repair grants to the Town of Glover), newest first, with that year’s flood claims.
- 2024Severe Storm, Flooding, Landslides, and Mudslides9 households applied for aid$38K aid approved$108K to the Town of Glover for repairs1 flood claim paid that year
- 2023Severe Storms, Flooding, Landslides, and Mudslides32 households applied for aid$189K aid approved$183K to the Town of Glover for repairs2 flood claims paid that year
- 2013Severe Winter Storms$7K to the Town of Glover for repairs
- 2012Severe Storm, Tornado, and Flooding$270K to the Town of Glover for repairs
- 2011Severe Storms and Flooding2 households applied for aid$455 aid approved$70K to the Town of Glover for repairs
- 2007Severe Storms and Flooding$59K to the Town of Glover for repairs
Show all 8
- 2001Snow$2K to the Town of Glover for repairs
- 1999Tropical Storm Floyd$2K to the Town of Glover for repairs
Orleans County has had 29 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Glover after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Glover archive →Glover and its neighbors
Glover has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Glover | Cmore damage than 69% | river and rain flooding | 9 |
| Barton | C−more damage than 84% | river and rain flooding | 7 |
| Greensboro | — | 633 residents; we grade 1,000+ | |
| Sheffield | — | 573 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 Glover 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 Glover
Is Glover at risk for natural disasters?
On FEMA’s National Risk Index, Glover has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (93%). 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 Glover flood?
Flood insurance has paid 9 claims in Glover since 1994, $129K in all, or 12.6 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. The most claims came from Vermont/New York Flooding (2).
Is Glover 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 Orleans County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Glover?
FEMA’s Community Rating System list shows no discount for Glover’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 Glover?
By FEMA money that reached Glover, Severe Storms, Flooding, Landslides, and Mudslides (2023): 32 households applied for aid, $189K approved, and $183K to the Town of Glover for repairs. By flood claims, Vermont/New York Flooding: 2 paid, $104K.
Is Glover at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Glover’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Glover.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Glover’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.