Natural hazards · Ardsley

Ardsley, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ardsley comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 229 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ardsley?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ardsley to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding66%Earthquakes11%Hurricanes8%Everything else15%

By hazard

What Ardsley faces

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

Inland flooding

66% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

11% of expected damage

Above average · higher than 71% of U.S. places

Hurricanes

8% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 7 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Ardsley flood?

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

229paid claims since 1978

$2.5Mpaid to owners

26homes flooded more than once

19782026

Biggest named events

Not a named storm: 79 claims, $440K
Hurricane Ida: 5 claims, $371K
Hurricane Irene: 5 claims, $165K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ardsley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Westchester County.

Disasters that hit Ardsley

8 federal disasters brought FEMA money here

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

Brought FEMA money into ArdsleyDeclared for Westchester County only

2021

Remnants of Hurricane Ida

105 households applied for aid $542K aid approved $222K to the Village of Ardsley for repairs

2020

Tropical Storm Isaias

$93K to the Village of Ardsley for repairs

2012

Hurricane Sandy

37 households applied for aid $623 aid approved $120K to the Village of Ardsley for repairs

2011

Hurricane Irene

12 households applied for aid $11K aid approved $47K to the Village of Ardsley for repairs

2010

Severe Storms and Flooding

$53K to the Village of Ardsley for repairs

2007

Severe Storms and Inland and Coastal Flooding

25 households applied for aid $19K aid approved $27K to the Village of Ardsley for repairs

2003

Snow

$27K to the Village of Ardsley for repairs

1999

Hurricane Floyd Major Disaster Declarations

$231K to the Village of Ardsley for repairs

Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around Ardsley

Ardsley and the towns around it

Very lowLowModerateHighVery high

Ardsleymostly inland floodingVery low

Dobbs Ferrymostly inland floodingVery low

Irvingtonmostly inland floodingVery low

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. Ardsley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ardsley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ardsley. 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 Ardsley total about $1.0M 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.