Otsego County
New York — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 76th
Otsego County faces low composite natural disaster risk (NRI Risk Index score 75.8, 76th national percentile), driven primarily by riverine flood and cold wave exposure. Expected annual loss across all 18 hazard types is $32M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Riverine Flood | Medium | 1.50 / yr | $24M |
| Cold Wave | Medium | 4.84 / yr | $5M |
| Landslide | Low | 1.22 / yr | $11K |
| Winter Weather | Medium | 21.58 / yr | $118K |
| Hurricane | Low | 0.02 / yr | $302K |
| Strong Wind | Medium | 1.30 / yr | $553K |
| Lightning | Low | 28.20 / yr | $207K |
| Earthquake | Very Low | 0.00 / yr | $214K |
| Tornado | Low | 0.24 / yr | $979K |
| Ice Storm | Low | 0.50 / yr | $60K |
| Avalanche | Very Low | 0.01 / yr | $158 |
| Hail | Very Low | 2.66 / yr | $116K |
| Wildfire | Very Low | 0.00 / yr | $10K |
| Heat Wave | Very Low | 1.21 / yr | $51K |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | 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 Otsego County?
Otsego County has a composite FEMA National Risk Index score of 75.8 out of 100, placing it in the Low category and the 76th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Otsego County?
The three highest-rated hazards are Riverine Flood (Medium, $24M EAL), Cold Wave (Medium, $5M EAL), Landslide (Low, $11K EAL). These account for most of the county's expected annual losses.
How does Otsego County compare to other New York counties?
Otsego County ranks #27 of 62 New York counties for overall natural disaster risk, with a low 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. Otsego County's $32M EAL is a statistical average, not a guarantee for any specific year or address.