Natural hazards · Cold Spring

Cold Spring, NY natural hazards

Most of the natural-hazard damage FEMA expects in Cold Spring comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 31 claims here since 1992. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cold Spring?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cold Spring to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding71%Earthquakes9%Everything else20%

By hazard

What Cold Spring faces

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

Inland flooding

71% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Earthquakes

9% of expected damage

Above average · higher than 71% of U.S. places

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanches

Not a risk here

DroughtTsunamisVolcanic 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 Cold Spring flood?

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

31paid claims since 1992

$2.3Mpaid to owners

7homes flooded more than once

19922026

Biggest named events

Hurricane Sandy: 13 claims, $1.6M
Hurricane Irene: 7 claims, $252K
December Storm - Nor'easter: 3 claims, $65K

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. Cold Spring isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Putnam County.

Disasters that hit Cold Spring

7 federal disasters brought FEMA money here

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

Brought FEMA money into Cold SpringDeclared for Putnam County only

2023

Severe Storms and Flooding

$1.2M to the Village of Cold Spring for repairs

2020

Tropical Storm Isaias

$11K to the Village of Cold Spring for repairs

2012

Hurricane Sandy

26 households applied for aid $69K aid approved $161K to the Village of Cold Spring for repairs

2011

Hurricane Irene

82 households applied for aid $292K aid approved $21K to the Village of Cold Spring for repairs

2007

Severe Storms and Inland and Coastal Flooding

$837 to the Village of Cold Spring for repairs

2003

Snow

$3K to the Village of Cold Spring for repairs

1999

Hurricane Floyd Major Disaster Declarations

$66K to the Village of Cold Spring for repairs

Putnam County has had 21 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. Cold Spring 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 Cold Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cold Spring. 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.