Natural hazards · Atlantic Beach

Atlantic Beach, NY natural hazards

Most of the natural-hazard damage FEMA expects in Atlantic Beach comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 320 claims here since 1989. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Atlantic Beach?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Atlantic Beach to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes6%Earthquakes5%Everything else11%

By hazard

What Atlantic Beach faces

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

Inland flooding

77% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 6 years in the area

Earthquakes

5% of expected damage

Above average · higher than 63% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesLandslidesStrong windLightning

Not a risk here

WildfireDroughtAvalanchesTsunamisVolcanic 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 Atlantic Beach flood?

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

320paid claims since 1989

$13.4Mpaid to owners

72homes flooded more than once

19892026

Biggest named events

Hurricane Sandy: 223 claims, $11.3M
Hurricane Irene: 29 claims, $733K
Late-September New York Flooding: 22 claims, $256K

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nassau County.

Disasters that hit Atlantic Beach

4 federal disasters brought FEMA money here

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

Brought FEMA money into Atlantic BeachDeclared for Nassau County only

2021

Remnants of Hurricane Ida

10 households applied for aid

2012

Hurricane Sandy

741 households applied for aid $2.2M aid approved $1.2M to the Village of Atlantic Beach for repairs

2011

Hurricane Irene

22 households applied for aid $34K aid approved $126K to the Village of Atlantic Beach for repairs

2010

Severe Winter Storm and Snowstorm

$7K to the Village of Atlantic Beach for repairs

Nassau County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Atlantic Beach

Atlantic Beach and the towns around it

Very lowLowModerateHighVery high

Atlantic Beachmostly inland floodingLow

Hempsteadmostly inland floodingLow

Lawrencemostly inland floodingLow

New Yorkmostly 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. Atlantic Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Atlantic Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Atlantic Beach. 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 Atlantic Beach total about $1.6M 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.