Rochester, NY real-estate risk
Rochester, NY (Monroe County) carries a FEMA National Risk Index score of 93.8/100 — rated "Relatively Moderate" — driven mainly by riverine flood and heat wave, with roughly $141M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$141M/yr
all natural hazards, county-wide
Buildings-only loss
$108M/yr
the part that hits owners + insurers
What it means for insurance
Riverine flood is the line to verify — an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Rochester risk — FAQ
Is Rochester, NY a high-risk area for real estate?
Rochester scores 93.8/100 on FEMA's National Risk Index — rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $141M per year.
What is the biggest natural hazard in Rochester?
The highest-rated hazard is riverine flood (96.7/100), followed by heat wave (94.8/100).
How does hazard risk affect property insurance in Rochester?
Riverine flood is the line to verify — an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
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Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0–100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.
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