Schoharie County, New York: hazard risk
FEMA rates Schoharie County's overall risk Very Low (score 41.3 of 100, higher than 41% of rated U.S. counties). Its storm record holds 757 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 |
|---|---|---|---|
| Landslide | Relatively Low | 73.0 | $8K |
| Riverine Flooding | Relatively Low | 65.6 | $11M |
| Hurricane | Relatively Low | 64.8 | $345K |
| Winter Weather | Relatively Low | 48.6 | $62K |
| Ice Storm | Relatively Low | 36.0 | $44K |
| Tornado | Relatively Low | 33.0 | $616K |
| Lightning | Relatively Low | 28.3 | $104K |
| Cold Wave | Relatively Low | 28.0 | $379K |
| Avalanche | Very Low | 52.0 | $662 |
| Earthquake | Very Low | 37.8 | $134K |
| Hail | Very Low | 32.4 | $133K |
| Strong Wind | Very Low | 15.8 | $135K |
| Heat Wave | Very Low | 14.3 | $33K |
| Wildfire | Very Low | 11.2 | $4K |
| 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 | 236 | 0 | $2.4M | 35th of 58 | 1344th of 3,080 |
| Winter storms | 203 | 0 | $1.2M | 11th of 58 | 288th of 3,077 |
| Floods | 102 | 2 | $28M | 23rd of 58 | 915th of 3,080 |
| High wind and dust storms | 74 | 0 | $200K | 18th of 58 | 271st of 3,080 |
| Extreme cold | 70 | 0 | – | 8th of 58 | 132nd of 3,076 |
| Hail | 42 | 0 | $733K | 42nd of 58 | 2447th of 3,080 |
| Heat | 21 | 0 | – | 17th of 58 | 715th of 3,076 |
| Tornadoes | 3 | 0 | $60M | 49th of 58 | 2637th of 3,080 |
| Drought | 1 | 0 | – | 52nd of 58 | 2416th of 3,063 |
| Heavy rain | 1 | 0 | – | 47th of 58 | 2050th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 17th of 58 | 962nd of 1,849 |
| Landslides and avalanches | 1 | 0 | $5K | 3rd of 58 | 294th of 2,278 |
| Wildfires | 1 | 0 | – | 9th of 58 | 982nd 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 Schoharie County record: every hazard by year and month, the deadliest events and FEMA's declarations.