Monroe County, New York: hazard risk
FEMA rates Monroe County's overall risk Relatively Moderate (score 93.8 of 100, higher than 93% of rated U.S. counties); 4 of its 15 hazards are rated Relatively High or Very High, led by cold wave, riverine flooding, winter weather. Its storm record holds 760 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 98.0 | $20M |
| Riverine Flooding | Relatively High | 96.7 | $103M |
| Winter Weather | Relatively High | 95.4 | $711K |
| Ice Storm | Relatively High | 89.0 | $814K |
| Heat Wave | Relatively Moderate | 94.8 | $5.8M |
| Tornado | Relatively Moderate | 87.2 | $5.8M |
| Strong Wind | Relatively Moderate | 79.1 | $1.2M |
| Lightning | Relatively Moderate | 77.5 | $638K |
| Earthquake | Relatively Low | 84.1 | $2.5M |
| Hurricane | Relatively Low | 68.8 | $521K |
| Drought | Relatively Low | 56.3 | $218K |
| Wildfire | Very Low | 47.1 | $39K |
| Coastal Flooding | Very Low | 39.0 | $14K |
| Landslide | Very Low | 35.6 | $467 |
| Hail | Very Low | 32.5 | $130K |
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 | 335 | 1 | $47M | 24th of 58 | 976th of 3,080 |
| Floods | 106 | 0 | $14M | 13th of 58 | 649th of 3,080 |
| Winter storms | 104 | 1 | $31M | 46th of 58 | 973rd of 3,077 |
| Hail | 84 | 0 | $2.0M | 21st of 58 | 1975th of 3,080 |
| High wind and dust storms | 74 | 3 | $13M | 19th of 58 | 281st of 3,080 |
| Extreme cold | 24 | 0 | – | 26th of 58 | 736th of 3,076 |
| Lightning | 12 | 0 | $163K | 19th of 58 | 483rd of 3,080 |
| Heavy rain | 9 | 0 | – | 11th of 58 | 1057th of 3,080 |
| Drought | 5 | 0 | – | 26th of 58 | 2089th of 3,063 |
| Tornadoes | 5 | 0 | $270K | 39th of 58 | 2517th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.