Natural Disaster Risk
North Hornell, NY
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— North Hornell
🌊 Flood Risk — North Hornell
North Hornell has a flood risk score of 100/100, classified as Very High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — North Hornell
Tornado risk score: 28/100 — Low. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — North Hornell
Earthquake risk score: 22/100 — Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — North Hornell
Wildfire risk score: 12/100 — Very Low. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
🌀 Hurricane Risk — North Hornell
Hurricane risk score: 48/100 — Moderate. Based on NOAA historical hurricane track data, coastal storm surge modeling, and landfall frequency.
💰 What This Means for Home Insurance in North Hornell
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in New York
❓ Frequently Asked Questions — North Hornell
Is North Hornell in a flood zone?
North Hornell has a flood risk score of 100/100, classified as Very High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does North Hornell get tornadoes?
North Hornell has a tornado risk score of 28/100. Tornadoes are rare in this area.
What is the earthquake risk in North Hornell?
North Hornell has an earthquake risk score of 22/100 (Low), based on USGS seismic hazard assessments and historical earthquake data.
Is North Hornell at risk for wildfires?
North Hornell's wildfire risk score is 12/100 (Very Low), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in North Hornell?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to North Hornell.