States › New York › Schoharie County

Schoharie County, New York

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 36095 · 29,863 residents (2021) · 622 sq mi · dominant hazard Wind

Hail · 42Tornado · 3Flood · 102Wind · 310Winter · 203

Schoharie County within New York. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.

Between 1950 and 2026, NCEI recorded 757 storm events in Schoharie County, New York, led by damaging wind.

That is 121.7 events per 100 square miles, in line with the New York figure of 120.3, and 253.5 per 10,000 residents against 28.6 statewide.

20 events fall in the 12 months to 30 Jun 2026. NCEI attributes 2 deaths and 25 injuries to events in the county, with property damage estimated at $43M and crop damage at $517K.

FEMA has designated the county in 29 federal disaster declarations since 1953; the most recent is Hurricane Henri (emergency, 22 Aug 2021).

National Flood Insurance Program policyholders in the county filed 666 claims since 1978, of which 596 were paid, totalling $31M (about $53K per paid claim). FEMA counts 262 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Very Low" and its expected annual loss as "Very Low" ($13M a year across 18 hazards).

17 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.

20events, last 12 monthsto 30 Jun 2026

757events since 19502 deaths, 25 injuries recorded

29disaster declarationslast 22 Aug 2021

666NFIP flood claims$31M paid

Compared with New York and the United States

Measure	Schoharie County	New York	US
Recorded events since 1950	757	56,675	1,977,440
Events per 100 square miles	121.7	120.3	56.0
Events per 10,000 residents	253.5	28.6	59.6
Events in the last 12 months	20	1,948	62,008
Deaths recorded by NCEI	2	578	26,435
Property damage (NCEI estimates)	$43M	$5.7B	$575B
NFIP claims per 1,000 residents	22.3	8.8	8.1
Average paid NFIP claim	$53K	$40K	$43K
Claims per 100 policies in force, last 10 years	1.1	10.1	16.1

County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.

Events by decade

Wind: 3

Hail: 5Tornado: 1Wind: 14

Hail: 4Tornado: 1Flood: 17Wind: 52Winter: 18Heat: 4Cold: 1Drought: 1

Hail: 18Flood: 41Wind: 57Winter: 65Heat: 1Cold: 17Wildfire: 1

Hail: 9Tornado: 1Flood: 31Wind: 108Winter: 64Tropical: 1Heat: 5Cold: 33Other: 1

Hail: 6Flood: 13Wind: 73Winter: 56Heat: 11Cold: 19Other: 2

01950s31960s31970s201980s981990s2002000s2532010s1802020s

Recorded events in Schoharie County by decade and hazard group. HailTornadoFloodWindWinterTropicalHeatColdDroughtWildfireOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 513 events in the 20 years to 2025 against 222 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.

Events by type

Wind310

Winter203

Flood102

Cold70

Hail42

Heat21

Tornado3

Other3

Tropical1

Drought1

Wildfire1

Hazard	Events	Deaths	Share of state's events
■ Wind	310	—	1.2%	detail
■ Winter	203	—	1.5%	detail
■ Flood	102	2	1.5%	detail
■ Cold	70	—	2.5%
■ Hail	42	—	0.8%	detail
■ Heat	21	—	1.5%
■ Tornado	3	—	0.5%
■ Other	3	—	0.5%
■ Tropical	1	—	0.8%
■ Drought	1	—	0.3%
■ Wildfire	1	—	2.9%

Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.

Largest recorded events

Date	Event type	Group	Magnitude	Property damage	Crop damage	Deaths	Injuries	Geography
19 Jan 1996	Flood	Flood	—	$12M	—	2	—	Forecast zone
10 Jul 1989	Tornado	Tornado	F4	$25M	—	—	20	County
3 Jul 1997	Thunderstorm Wind	Wind	—	$100K	—	—	5	County
14 Jun 2013	Flash Flood	Flood	—	$1.0M	—	—	—	County
16 Sep 1999	Flash Flood	Flood	—	$850K	—	—	—	County
16 Jun 2008	Hail	Hail	1.00 in	—	$512K	—	—	County
15 Jul 1995	Thunderstorm Wind	Wind	0 mph	$500K	—	—	—	County
31 Mar 1997	Winter Storm	Winter	—	$500K	—	—	—	Forecast zone
18 Sep 2004	Flood	Flood	—	$400K	—	—	—	Forecast zone
2 May 1992	Tornado	Tornado	F1	$250K	—	—	—	County
9 Nov 1996	Flash Flood	Flood	—	$150K	—	—	—	County
15 Jul 1995	Thunderstorm Wind	Wind	0 mph	$100K	—	—	—	County
27 Jan 1996	Flood	Flood	—	$100K	—	—	—	Forecast zone
9 Nov 1996	Flash Flood	Flood	—	$100K	—	—	—	County
13 Aug 1999	Thunderstorm Wind	Wind	—	$100K	—	—	—	County
8 Apr 2001	Flood	Flood	—	$100K	—	—	—	Forecast zone

Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.

Federal disaster declarations

Declared	Number	Type	Incident	Title	Programs
22 Aug 2021	EM-3565	Emergency	Hurricane	Hurricane Henri	Public assistance
20 Mar 2020	DR-4480	Major disaster	Biological	Covid-19 Pandemic	Individual assistance, Public assistance
13 Mar 2020	EM-3434	Emergency	Biological	Covid-19	Public assistance
12 Jul 2017	DR-4322	Major disaster	Snowstorm	Severe Winter Storm And Snowstorm	Public assistance
28 Oct 2012	EM-3351	Emergency	Hurricane	Hurricane Sandy	Public assistance
13 Sep 2011	DR-4031	Major disaster	Severe Storm	Remnants Of Tropical Storm Lee	Individual assistance, Public assistance
8 Sep 2011	EM-3341	Emergency	Severe Storm	Remnants Of Tropical Storm Lee	Public assistance
31 Aug 2011	DR-4020	Major disaster	Hurricane	Hurricane Irene	Individual assistance, Public assistance
26 Aug 2011	EM-3328	Emergency	Hurricane	Hurricane Irene	Public assistance
16 Apr 2010	DR-1899	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
4 Mar 2009	DR-1827	Major disaster	Severe Storm	Severe Winter Storm	Public assistance
18 Dec 2008	EM-3299	Emergency	Severe Storm	Severe Winter Storm	Public assistance
24 Apr 2007	DR-1692	Major disaster	Severe Storm	Severe Storms And Inland And Coastal Flooding	Public assistance
1 Jul 2006	DR-1650	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance, Public assistance
30 Sep 2005	EM-3262	Emergency	Hurricane	Hurricane Katrina Evacuation	Public assistance
19 Apr 2005	DR-1589	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance, Public assistance
1 Oct 2004	DR-1565	Major disaster	Severe Storm	Tropical Depression Ivan	Public assistance
3 Aug 2004	DR-1534	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
23 Aug 2003	EM-3186	Emergency	Other	Power Outage	Public assistance
27 Mar 2003	EM-3184	Emergency	Snowstorm	Snow	Public assistance
25 Feb 2003	EM-3173	Emergency	Snowstorm	Snowstorms	Public assistance
11 Sep 2001	DR-1391	Major disaster	Fire	Fires And Explosions	Public assistance
11 Oct 2000	EM-3155	Emergency	Other	West Nile Virus	Public assistance
21 Jul 2000	DR-1335	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
19 Sep 1999	DR-1296	Major disaster	Hurricane	Hurricane Floyd Major Disaster Declarations	Public assistance
9 Dec 1996	DR-1148	Major disaster	Severe Storm	Severe Storms High Winds, Rain And Flooding	Public assistance
24 Jan 1996	DR-1095	Major disaster	Flood	Severe Storms And Flooding	Individual assistance, Public assistance
17 Mar 1993	EM-3107	Emergency	Snowstorm	Severe Blizzard	Public assistance
15 May 1987	DR-792	Major disaster	Flood	Flooding	Individual assistance, Public assistance

Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.

Flood insurance claims

197820022026

NFIP claims by year of loss in Schoharie County, 1978 to 2026 (hover for the amount paid).

Claims since 1978666

Paid claims596

Total paid$31M

Average paid claim$53K

Repetitive-loss properties447 severe

Residential policies in force2621.7% of 15,887 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2021	3	3	$21,844	$7,281
2015	1	0	$0	—
2013	7	5	$49,910	$9,982
2012	3	1	$147,630	$147,630
2011	326	298	$27,480,966	$92,218
2010	2	1	$7,614	$7,614
2008	2	2	$19,881	$9,940
2007	8	7	$33,168	$4,738
2006	2	2	$13,867	$6,933
2005	41	38	$527,811	$13,890
2002	2	1	$28,391	$28,391
2000	3	2	$7,773	$3,886
1999	2	1	$1,646	$1,646
1998	1	1	$2,952	$2,952
1996	118	111	$2,369,549	$21,347
1995	1	1	$6,193	$6,193
1993	1	0	$0	—
1992	1	1	$63,819	$63,819
1990	1	0	$0	—
1987	62	56	$432,613	$7,725
1984	9	4	$6,579	$1,645
1983	2	2	$4,612	$2,306
1981	1	0	$0	—
1980	62	54	$185,694	$3,439
1979	2	2	$2,843	$1,421

OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).

National Risk Index

Overall riskVery Lowscore 41.3 of 100

Expected annual loss$13MVery Low

Social vulnerabilityRelatively Low

Community resilienceRelatively High

Hazard (NRI)	Risk rating	Expected annual loss
Inland flooding	Relatively Low	$11,073,814
Tornado	Relatively Low	$615,961
Cold wave	Relatively Low	$379,092
Hurricane	Relatively Low	$344,650
Strong wind	Very Low	$134,991
Earthquake	Very Low	$133,992
Hail	Very Low	$133,267
Lightning	Relatively Low	$103,652
Winter weather	Relatively Low	$61,640
Ice storm	Relatively Low	$44,344
Heat wave	Very Low	$33,002
Landslide	Relatively Low	$7,881
Wildfire	Very Low	$3,687
Avalanche	Very Low	$662

FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.

Hurricane and tropical storm passes

Tracks within 100 miles17

Tracks within 50 miles3

Hurricane strength within 50 miles0

Storm	Year	Closest approach	Max wind while within 100 mi
Irene	2011	68 mi	58 mph
Gloria	1985	96 mi	86 mph
David	1979	62 mi	46 mph
Agnes	1972	62 mi	52 mph
Able	1952	83 mi	52 mph
Unnamed Atlantic storm	1938	88 mi	69 mph
Unnamed Atlantic storm	1933	96 mi	40 mph
Unnamed Atlantic storm	1929	15 mi	58 mph
Unnamed Atlantic storm	1924	73 mi	63 mph
Unnamed Atlantic storm	1915	97 mi	52 mph
Unnamed Atlantic storm	1899	39 mi	52 mph
Unnamed Atlantic storm	1893	78 mi	69 mph
Unnamed Atlantic storm	1893	56 mi	63 mph
Unnamed Atlantic storm	1878	43 mi	81 mph
Unnamed Atlantic storm	1876	89 mi	46 mph
Unnamed Atlantic storm	1866	92 mi	58 mph
Unnamed Atlantic storm	1863	63 mi	46 mph

HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.

ZIP codes with flood claims

12122 292
12157 152
12066 103
12043 33
12092 22
12035 17
12131 17
12076 12
12160 11
12194 6
12071 5

ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.

Questions and answers

How often does it hail in Schoharie County, NY?

NCEI records 42 hail events in Schoharie County since 1950, in 19 different years; that is about 0.5 recorded events a year. 0 reports were golf-ball size (1.75 in) or larger.

Has Schoharie County had a tornado?

Yes. NCEI records 3 tornadoes in Schoharie County since 1950, 1 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.

When was the last federal disaster declaration for Schoharie County?

22 Aug 2021: Hurricane Henri, a emergency declaration for hurricane. The county appears in 29 declarations since 1953.

How many flood insurance claims have been filed in Schoharie County, and how much was paid?

666 NFIP claims since 1978, 596 of them paid, for $31M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Schoharie County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Very Low" for overall risk, "Very Low" for expected annual loss, "Relatively Low" for social vulnerability and "Relatively High" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Schoharie County compare with the rest of New York?

121.7 recorded events per 100 square miles against 120.3 statewide, and 22.3 NFIP claims per 1,000 residents against 8.8. The comparison table on this page shows each measure beside the state and national figures.

Provenance

Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.