Monroe County
New York — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 94th
Monroe County faces medium composite natural disaster risk (NRI Risk Index score 93.8, 94th national percentile), driven primarily by cold wave and riverine flood exposure. Expected annual loss across all 18 hazard types is $141M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | High | 2.95 / yr | $20M |
| Riverine Flood | High | 2.18 / yr | $103M |
| Winter Weather | High | 20.63 / yr | $711K |
| Heat Wave | Medium | 3.42 / yr | $6M |
| Ice Storm | High | 1.53 / yr | $814K |
| Tornado | Medium | 0.11 / yr | $6M |
| Earthquake | Low | 0.00 / yr | $2M |
| Strong Wind | Medium | 1.30 / yr | $1M |
| Lightning | Medium | 27.28 / yr | $638K |
| Hurricane | Low | 0.03 / yr | $521K |
| Drought | Low | 0.83 / yr | $218K |
| Wildfire | Very Low | 0.00 / yr | $39K |
| Coastal Flood | Very Low | 0.01 / yr | $14K |
| Landslide | Very Low | 0.12 / yr | $467 |
| Hail | Very Low | 1.10 / yr | $130K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Monroe County?
Monroe County has a composite FEMA National Risk Index score of 93.8 out of 100, placing it in the Medium category and the 94th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Monroe County?
The three highest-rated hazards are Cold Wave (High, $20M EAL), Riverine Flood (High, $103M EAL), Winter Weather (High, $711K EAL). These account for most of the county's expected annual losses.
How does Monroe County compare to other New York counties?
Monroe County ranks #9 of 62 New York counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Monroe County's $141M EAL is a statistical average, not a guarantee for any specific year or address.