Herkimer County, New York: hazard risk
FEMA rates Herkimer County's overall risk Relatively Low (score 60.0 of 100, higher than 59% of rated U.S. counties). Its storm record holds 1,800 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Riverine Flooding | Relatively Moderate | 78.5 | $18M |
| Winter Weather | Relatively Moderate | 73.1 | $154K |
| Ice Storm | Relatively Moderate | 66.2 | $181K |
| Landslide | Relatively Low | 77.6 | $12K |
| Hurricane | Relatively Low | 62.5 | $269K |
| Lightning | Relatively Low | 51.6 | $250K |
| Cold Wave | Relatively Low | 38.7 | $635K |
| Tornado | Relatively Low | 38.6 | $808K |
| Strong Wind | Relatively Low | 26.4 | $254K |
| Earthquake | Very Low | 51.4 | $300K |
| Heat Wave | Very Low | 33.1 | $162K |
| Avalanche | Very Low | 28.4 | $91 |
| Wildfire | Very Low | 25.7 | $11K |
| Hail | Very Low | 19.7 | $70K |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 560 | 0 | $22M | 50th of 58 | 1934th of 3,080 |
| Winter storms | 491 | 0 | $861K | 25th of 58 | 596th of 3,077 |
| Floods | 260 | 1 | $16M | 28th of 58 | 1087th of 3,080 |
| High wind and dust storms | 154 | 0 | $692K | 27th of 58 | 534th of 3,080 |
| Extreme cold | 146 | 0 | – | 14th of 58 | 362nd of 3,076 |
| Hail | 100 | 0 | – | 49th of 58 | 2562nd of 3,080 |
| Heat | 45 | 0 | – | 18th of 58 | 827th of 3,076 |
| Lightning | 11 | 0 | $192K | 29th of 58 | 884th of 3,080 |
| Tornadoes | 11 | 1 | $8.2M | 41st of 58 | 2540th of 3,080 |
| Drought | 9 | 0 | – | 36th of 58 | 2250th of 3,063 |
| Landslides and avalanches | 5 | 0 | $9K | 1st of 58 | 221st of 2,278 |
| Heavy rain | 2 | 0 | $168K | 50th of 58 | 2112th of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | – | 21st of 58 | 1059th of 1,849 |
| Wildfires | 2 | 0 | – | 16th of 58 | 1202nd of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Herkimer County record: every hazard by year and month, the deadliest events and FEMA's declarations.