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Natural hazards · Black Brook

Black Brook, NY natural hazards

Most of the natural-hazard damage FEMA expects in Black Brook comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 19 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

How exposed is Black Brook?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Black Brook to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%
By hazard

What Black Brook faces

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

Inland flooding

83% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Black Brook flood?

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

19paid claims since 1979
$540Kpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 7 claims, $394K

Homes that flooded again and again

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into Black BrookDeclared for Clinton County only
2023

Severe Storms and Flooding

$775K to the Town of Black Brook for repairs
2017

Severe Winter Storm and Snowstorm

$16K to the Town of Black Brook for repairs
2013

Severe Storms and Flooding

$16K to the Town of Black Brook for repairs
2011

Hurricane Irene

$1.1M to the Town of Black Brook for repairs
Clinton County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Black Brook

Black Brook and the towns around it

Jay: High, mostly inland floodingSaranac: High, mostly inland floodingFranklin: Very low, mostly inland floodingPeru: Moderate, mostly inland floodingWilmington: High, mostly inland floodingAu Sable: High, mostly inland floodingChesterfield: High, mostly inland floodingLewis: High, mostly inland floodingKeene: Moderate, mostly inland floodingElizabethtown: Moderate, mostly inland floodingDannemora: Moderate, mostly inland floodingSchuyler Falls: High, mostly inland floodingPlattsburgh: Moderate, mostly inland floodingBellmont: High, mostly inland floodingSt. Armand: High, mostly inland floodingBrighton: Very low, mostly inland floodingSouth Hero: Moderate, mostly inland floodingNorth Elba: Low, mostly inland floodingColchester: Very low, mostly inland floodingBlack Brook: High, mostly inland flooding Black BrookJaySaranacFranklinPeruWilmingtonAu Sable
Very lowLowModerateHighVery high
Jaymostly inland floodingHigh
Au Sablemostly inland floodingHigh
Black Brookmostly inland floodingHigh
Saranacmostly inland floodingHigh
Wilmingtonmostly inland floodingHigh
Perumostly inland floodingModerate
Franklinmostly 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. Black Brook covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Black Brook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Black Brook. 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 Black Brook total about $2.0M 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.

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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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