Natural hazards · Asharoken

Asharoken, NY natural hazards

Most of the natural-hazard damage FEMA expects in Asharoken comes from coastal flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 208 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Asharoken?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Asharoken to be higher than in 16% of U.S. communities, mostly from coastal flooding and inland flooding.

Coastal flooding39%Inland flooding37%Hurricanes12%Everything else13%

By hazard

What Asharoken faces

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

Coastal flooding

39% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

37% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Asharoken flood?

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

208paid claims since 1978

$6.6Mpaid to owners

24homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 91 claims, $5.1M
December Storm - Nor'easter: 67 claims, $1.1M
The “Halloween” storm: 9 claims, $41K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Suffolk County.

Disasters that hit Asharoken

10 federal disasters brought FEMA money here

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

Brought FEMA money into AsharokenDeclared for Suffolk County only

2017

Severe Winter Storm and Snowstorm

$2K to the Village of Asharoken for repairs

2013

Severe Winter Storm and Snowstorm

$10K to the Village of Asharoken for repairs

2012

Hurricane Sandy

$671K to the Village of Asharoken for repairs

2011

Hurricane Irene

$22K to the Village of Asharoken for repairs

2010

Severe Winter Storm and Snowstorm

$3K to the Village of Asharoken for repairs

2010

Severe Storms and Flooding

$30K to the Village of Asharoken for repairs

2009

Severe Storms and Flooding Assoc W Td Ida & Nor'easter

$7K to the Village of Asharoken for repairs

2007

Severe Storms and Inland and Coastal Flooding

$8K to the Village of Asharoken for repairs

2003

Snow

$2K to the Village of Asharoken for repairs

1999

Hurricane Floyd Major Disaster Declarations

$955 to the Village of Asharoken for repairs

Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Asharoken is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Asharoken’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Asharoken. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.