Natural hazards · Cove Neck

Cove Neck, NY natural hazards

Most of the natural-hazard damage FEMA expects in Cove Neck comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1991.

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

Expected damage

How exposed is Cove Neck?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cove Neck to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding63%Hurricanes14%Coastal flooding9%Everything else14%

By hazard

What Cove Neck faces

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

Inland flooding

63% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

14% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

9% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Cove Neck flood?

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

4paid claims since 1991

$609Kpaid to owners

0homes flooded more than once

19912026

Biggest named events

Hurricane Sandy: 2 claims, $602K
The “Halloween” storm: 1 claim, $2K
Torrential rain: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cove Neck 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 Cove Neck

Federal disasters declared here

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

Brought FEMA money into Cove NeckDeclared for Nassau County only

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

Around Cove Neck

Cove Neck and the towns around it

Very lowLowModerateHighVery high

Cove Neckmostly inland floodingVery low

Oyster Bay Covemostly inland floodingVery low

Laurel Hollowmostly 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. Cove Neck 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 Cove Neck’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cove Neck. 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.