Otsego County, New York: hazard risk
FEMA rates Otsego County's overall risk Relatively Low (score 75.8 of 100, higher than 75% of rated U.S. counties). Its storm record holds 849 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 | 85.8 | $24M |
| Cold Wave | Relatively Moderate | 85.1 | $4.5M |
| Winter Weather | Relatively Moderate | 70.5 | $118K |
| Strong Wind | Relatively Moderate | 54.0 | $553K |
| Landslide | Relatively Low | 77.6 | $11K |
| Hurricane | Relatively Low | 64.6 | $302K |
| Lightning | Relatively Low | 49.8 | $207K |
| Tornado | Relatively Low | 46.3 | $979K |
| Ice Storm | Relatively Low | 45.0 | $60K |
| Earthquake | Very Low | 47.3 | $214K |
| Avalanche | Very Low | 36.7 | $158 |
| Hail | Very Low | 32.0 | $116K |
| Wildfire | Very Low | 25.7 | $10K |
| Heat Wave | Very Low | 19.0 | $51K |
| 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 | 454 | 2 | $3.7M | 33rd of 58 | 1298th of 3,080 |
| Hail | 134 | 0 | $18K | 39th of 58 | 2391st of 3,080 |
| Winter storms | 119 | 0 | $2.7M | 50th of 58 | 1280th of 3,077 |
| Floods | 78 | 0 | $168M | 50th of 58 | 1630th of 3,080 |
| Extreme cold | 21 | 1 | $48K | 45th of 58 | 1140th of 3,076 |
| High wind and dust storms | 16 | 0 | $882K | 55th of 58 | 2003rd of 3,080 |
| Tornadoes | 14 | 0 | $9.6M | 24th of 58 | 2305th of 3,080 |
| Heat | 4 | 0 | – | 39th of 58 | 1981st of 3,076 |
| Drought | 3 | 0 | – | 47th of 58 | 2326th of 3,063 |
| Lightning | 3 | 0 | $11K | 46th of 58 | 1610th of 3,080 |
| Heavy rain | 1 | 0 | – | 52nd of 58 | 2229th 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 Otsego County record: every hazard by year and month, the deadliest events and FEMA's declarations.