Natural hazards · Ballston Spa

Ballston Spa, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ballston Spa comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 2007. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ballston Spa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ballston Spa to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding80%Tornadoes6%Everything else14%

By hazard

What Ballston Spa faces

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

Inland flooding

80% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 38% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Ballston Spa flood?

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

11paid claims since 2007

$72Kpaid to owners

2homes flooded more than once

20072026

Biggest named events

Hurricane Irene: 5 claims, $28K
April 2007 Nor'easter: 1 claim, $11K
Tropical Storm Lee: 1 claim, $4K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Saratoga County.

Disasters that hit Ballston Spa

4 federal disasters brought FEMA money here

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

Brought FEMA money into Ballston SpaDeclared for Saratoga County only

2017

Severe Winter Storm and Snowstorm

$16K to the Village of Ballston Spa for repairs

2011

Hurricane Irene

24 households applied for aid $26K aid approved $96K to the Village of Ballston Spa for repairs

2004

Severe Storms and Flooding

$4K to the Village of Ballston Spa for repairs

2002

Snowstorms

$8K to the Village of Ballston Spa for repairs

Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Ballston Spa covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ballston Spa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ballston Spa. 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 Ballston Spa total about $1.5M 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.