Natural hazards · Champlain

Champlain, NY natural hazards

Most of the natural-hazard damage FEMA expects in Champlain comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1983.

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

Expected damage

How exposed is Champlain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Champlain to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding79%Earthquakes9%Everything else12%

By hazard

What Champlain faces

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

Inland flooding

79% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

9% of expected damage

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

Lower here

HurricanesTornadoesHailIce 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 Champlain flood?

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

29paid claims since 1983

$316Kpaid to owners

2homes flooded more than once

19832026

Biggest named events

March 2010 Nor'easter: 1 claim, $1K

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. Champlain 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 Champlain

Federal disasters declared here

None of the disasters declared for Clinton County shows FEMA aid or repair money reaching Champlain itself in FEMA’s records.

Brought FEMA money into ChamplainDeclared for Clinton County only

Clinton County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Champlain

Champlain and the towns around it

Very lowLowModerateHighVery high

Chazymostly inland floodingHigh

Mooersmostly inland floodingHigh

Rouses Pointmostly inland floodingHigh

Champlainmostly inland floodingHigh

Alburghmostly inland floodingHigh

Isle La Mottemostly inland floodingHigh

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. Champlain covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Champlain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Champlain. 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 Champlain total about $2.5M 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.