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Natural hazards · Ancram

Ancram, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ancram comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Ancram?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ancram to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes13%Tornadoes9%Everything else15%
By hazard

What Ancram faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

64% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

13% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 years in the area

Tornadoes

9% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once every 77 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Ancram flood?

Every paid claim on a federal flood insurance policy in Ancram, from FEMA’s records.

5paid claims since 1979
$80Kpaid to owners
1homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Ancram isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Columbia County.
Disasters that hit Ancram

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Ancram itself: aid to households, or repair grants to the Town of Ancram.

Brought FEMA money into AncramDeclared for Columbia County only
2017

Severe Winter Storm and Snowstorm

$17K to the Town of Ancram for repairs
2011

Hurricane Irene

5 households applied for aid $2K aid approved $12K to the Town of Ancram for repairs
2010

Severe Winter Storm and Snowstorm

$11K to the Town of Ancram for repairs
2008

Severe Winter Storm

$55K to the Town of Ancram for repairs
2007

Severe Storms and Inland and Coastal Flooding

$55K to the Town of Ancram for repairs
2005

Severe Storms and Flooding

$13K to the Town of Ancram for repairs
2003

Snow

$8K to the Town of Ancram for repairs
2002

Snowstorms

$17K to the Town of Ancram for repairs
Columbia County has had 20 natural disasters declared since 1953, most often severe storms and winter storms.
Around Ancram

Ancram and the towns around it

Gallatin: Moderate, mostly inland floodingNorth East: Moderate, mostly inland floodingCopake: Moderate, mostly inland floodingPine Plains: Low, mostly inland floodingTaghkanic: Low, mostly inland floodingClermont: Low, mostly inland floodingLivingston: Low, mostly inland floodingMilan: Low, mostly inland floodingSalisbury: Moderate, mostly inland floodingStanford: Moderate, mostly inland floodingAmenia: High, mostly inland floodingSharon: Moderate, mostly inland floodingHillsdale: Moderate, mostly inland floodingClaverack: Moderate, mostly inland floodingAncram: Moderate, mostly inland flooding AncramGallatinNorth EastCopakePine PlainsTaghkanic
Very lowLowModerateHighVery high
Gallatinmostly inland floodingModerate
Copakemostly inland floodingModerate
North Eastmostly inland floodingModerate
Ancrammostly inland floodingModerate
Taghkanicmostly inland floodingLow
Pine Plainsmostly inland floodingLow
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Ancram covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Ancram’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ancram. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Ancram total about $709K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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