Crugers’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Crugers comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2000.
What stands out about Crugers’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Crugers flood? Rarely: 2 flood claims since 2000
Every paid claim on a federal flood insurance policy in Crugers, from FEMA’s records.
Crugers isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Westchester County.How exposed is Crugers?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 37% of U.S. communities, mostly from inland flooding.
Calmer than 804 of the 1,524 New York towns we cover.
Crugers covers 1 census tract, combined by population.
What Crugers faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Hurricanes
Federal disasters declared here
None of the disasters declared for Westchester County shows FEMA aid or repair money reaching Crugers itself in FEMA’s records.
Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.
Get ready for what Crugers actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Crugers and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Crugers | Low | inland flooding | 2 |
| Croton-on-Hudson | Very low | inland flooding | 10 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Westchester County’s 24 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Crugers’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Crugers.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Crugers, expected losses total about $510K a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Crugers.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.