FEMA Records
29
High volume
New York · FEMA + NOAA + National Risk Index
Schoharie County, NY
29 FEMA disaster declarations (1987-2021), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 29
- FEMA declarations
- 17
- Major disasters
- 41
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Schoharie County. Its 29 FEMA declarations are 18% above the New York county mean and exceed the count for 85% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 41%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 41%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 29
- FEMA declarations vs 21 national county avg
- 666
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Schoharie County compare?
Schoharie County vs. all counties in this dataset
FEMA disaster declarations, all-time
29 Top 15% higher than 85% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Schoharie County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the New York county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Schoharie County is led by Riverine Flooding (about $11.1M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Landslide carries the highest National Risk Index rating (Relatively Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Schoharie County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 666 claims and $31.4M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $47.2K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
The declaration register points in the busier direction. Schoharie County's 29 federal records stand 18% above the New York county mean of 24.5. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 41.3/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $13.1M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Even the county's top-rated hazard, Landslide, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 1 years here.
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 29 entries for Schoharie County, including 17 Major Disaster records, 18% above the New York county mean. Across the 34-year span, that works out to 0.9 declarations a year. Severe Storm leads the file with 12 entries. Declaration type records the federal action taken, not every assistance program approved.
69 /100
Historical Activity Index
High historical activity
Schoharie County, NY · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
21/30
29 OpenFEMA declarations, full ingest window (1.4x national county average)
County Disaster Density High
15/25
29 declarations (1.2x state county average of 25)
Major Disaster Share High
15/25
17 of 29 declarations are major disasters (59%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Schoharie County
Historical Declaration Activity
Activity Band
High
vs. New York Avg
+18%
State avg: 24.5
vs. National Avg
+40%
National avg: 20.7
Avg Per Year
0.9
Over 34 years
FEMA NRI 8-hazard radar - Schoharie County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
59%
Major-heavy
NRI risk score
41
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Schoharie County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Landslide | Relatively Low | roughly once every 1 years |
| Riverine Flooding | Relatively Low | an average of 1.8 times per year |
| Hurricane | Relatively Low | roughly once every 29 years |
| Avalanche | Very Low | roughly once every 100 years |
| Winter Weather | Relatively Low | an average of 20 times per year |
| Earthquake | Very Low | roughly once every 1,063 years |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Tornado | Relatively Low | roughly once every 7 years |
| Hail | Very Low | an average of 2.8 times per year |
| Lightning | Relatively Low | an average of 27 times per year |
| Cold Wave | Relatively Low | an average of 3.9 times per year |
| Strong Wind | Very Low | an average of 1.4 times per year |
| Heat Wave | Very Low | 1.2 modeled event-days per year |
| Wildfire | Very Low | roughly once every 38,510 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 12
Hurricane 6
Snowstorm 4
Biological 2
Other 2
Flood 2
Fire 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Schoharie County's record, 41% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 17 58.6%
of all 29 declarations
Emergency - 12 41.4%
of all 29 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2021 | 1 | |
| 2020 | 2 | |
| 2017 | 1 | |
| 2013 | 1 | |
| 2011 | 4 | |
| 2010 | 1 | |
| 2009 | 2 | |
| 2007 | 1 | |
| 2006 | 1 | |
| 2005 | 3 | |
| 2004 | 1 | |
| 2003 | 3 | |
| 2001 | 2 | |
| 2000 | 1 | |
| 1999 | 1 | |
Show 4 earlier declaration years
| 1997 | 1 | |
| 1996 | 1 | |
| 1993 | 1 | |
| 1987 | 1 | |
Disaster Declarations
How the 29 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 29 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3565 | HURRICANE HENRI | EM | Hurricane | 2021-08-22 |
| 4480 | COVID-19 PANDEMIC | DR | Biological | 2020-03-20 |
| 3434 | COVID-19 | EM | Biological | 2020-03-13 |
| 4322 | SEVERE WINTER STORM AND SNOWSTORM | DR | Snowstorm | 2017-07-12 |
| 3351 | HURRICANE SANDY | EM | Hurricane | 2012-10-28 |
| 4031 | REMNANTS OF TROPICAL STORM LEE | DR | Severe Storm | 2011-09-13 |
| 3341 | REMNANTS OF TROPICAL STORM LEE | EM | Severe Storm | 2011-09-08 |
| 4020 | HURRICANE IRENE | DR | Hurricane | 2011-08-31 |
| 3328 | HURRICANE IRENE | EM | Hurricane | 2011-08-26 |
| 1899 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2010-04-16 |
| 1827 | SEVERE WINTER STORM | DR | Severe Storm | 2009-03-04 |
| 3299 | SEVERE WINTER STORM | EM | Severe Storm | 2008-12-18 |
| 1692 | SEVERE STORMS AND INLAND AND COASTAL FLOODING | DR | Severe Storm | 2007-04-24 |
| 1650 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2006-07-01 |
| 3262 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-30 |
| 1589 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2005-04-19 |
| 1565 | TROPICAL DEPRESSION IVAN | DR | Severe Storm | 2004-10-01 |
| 1534 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2004-08-03 |
| 3186 | POWER OUTAGE | EM | Other | 2003-08-23 |
| 3184 | SNOW | EM | Snowstorm | 2003-03-27 |
Show 9 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3173 | SNOWSTORMS | EM | Snowstorm | 2003-02-25 |
| 1391 | FIRES AND EXPLOSIONS | DR | Fire | 2001-09-11 |
| 3155 | WEST NILE VIRUS | EM | Other | 2000-10-11 |
| 1335 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2000-07-21 |
| 1296 | HURRICANE FLOYD MAJOR DISASTER DECLARATIONS | DR | Hurricane | 1999-09-19 |
| 1148 | SEVERE STORMS HIGH WINDS, RAIN AND FLOODING | DR | Severe Storm | 1996-12-09 |
| 1095 | SEVERE STORMS AND FLOODING | DR | Flood | 1996-01-24 |
| 3107 | SEVERE BLIZZARD | EM | Snowstorm | 1993-03-17 |
| 792 | FLOODING | DR | Flood | 1987-05-15 |
Storm Events in New York
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Schoharie County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 8,295 | 6 | 45 | $45.0M |
| Winter Weather | 2,261 | 7 | 17 | $705.5K |
| Flash Flood | 1,775 | 23 | 3 | $674.3M |
| Strong Wind | 1,399 | 2 | 12 | $9.2M |
| Winter Storm | 1,228 | 13 | 2 | $4.9M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
666
Total Paid
$31.4M
Avg Per Claim
$47.2K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 41.3/100
Expected Annual Loss
Very Low
$13.1M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Landslide Relatively Low
Riverine Flooding Relatively Low
Hurricane Relatively Low
Avalanche Very Low
Winter Weather Relatively Low
Earthquake Very Low
Ice Storm Relatively Low
Tornado Relatively Low
Hail Very Low
Lightning Relatively Low
Cold Wave Relatively Low
Strong Wind Very Low
Heat Wave Very Low
Wildfire Very Low
Drought No Rating
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Landslide
Landslide risk is a function of slope, soil and water, so it is usually a SECOND-ORDER hazard: it is triggered by the rainfall, snowmelt, wildfire burn scars or seismic shaking that came first. That is why a county can carry high landslide exposure whose realized damage is recorded under a flood or storm declaration instead.
Worth noting for Schoharie County: the model and the federal record do NOT point at the same hazard. Landslide carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Schoharie County's closest FEMA peer: Klickitat County, WA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Schoharie County. Record similarity, not a safety rating.
Closest declaration profiles
Schoharie County shows 29 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Schoharie County: 17 of 29 of its declarations are Major.
Similar modeled NRI score
Schoharie County: NRI composite 41.3 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Schoharie County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Schoharie County's NFIP claims file (666 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Schoharie County?
The most common disaster type in Schoharie County is Severe Storm, with 12 declarations. Other disaster types include Hurricane (6), Snowstorm (4), Biological (2).
How does Schoharie County's FEMA declaration record compare with the New York average?
FEMA lists 29 declaration records for Schoharie County. That is 18% above the New York county mean of 24.5. Its count is also 40% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Schoharie County received?
Schoharie County has received 17 major disaster declarations, representing 59% of all 29 disaster declarations.
How many flood insurance claims has Schoharie County filed?
Schoharie County has 666 National Flood Insurance Program (NFIP) claims totaling $31.4M in payments, with an average of $47.2K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Schoharie County?
No. In Schoharie County, Landslide has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $11.1M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Schoharie County?
The most active year for disaster declarations in Schoharie County was 2011, with 4 declarations. The county has FEMA disaster data spanning 1987 to 2021.
What is the FEMA National Risk Index score for Schoharie County?
According to the FEMA National Risk Index, Schoharie County, New York has an overall risk score of 41.3 out of 100 (Very Low). On social vulnerability the county rates Relatively Low; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $13.1M in annualized losses.
Which natural hazard poses the greatest risk to Schoharie County?
Based on FEMA NRI data, the highest-risk natural hazard in Schoharie County as of the latest release is Landslide (risk rating: Relatively Low). Other significant hazards include Riverine Flooding (Relatively Low) and Hurricane (Relatively Low). FEMA's modeled event frequency puts landslide here at roughly once every 1 years. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Schoharie County
Schoharie County, NY has 29 federal declaration records, 18% more than the New York county mean of 25; its history sits in PlainHazard's high activity band.
- Within this above-state-average declaration file, major disaster leads with 17 of 29 records; the category describes past federal action, not the next likely hazard. New York overview
- The state benchmark and national rank point the same way: this count tops the New York mean and the totals for 85% of 3,266 U.S. counties. Most-disaster rankings
- The large NFIP claims file and FEMA declaration history measure different federal records; the guide explains where they overlap and where they do not. Disaster-data guide
An above-average declaration count records past federal responses; it does not predict the next event. Current warnings come from the National Weather Service and local emergency officials.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.