Natural hazards · Dering Harbor

Dering Harbor, NY natural hazards

Most of the natural-hazard damage FEMA expects in Dering Harbor comes from inland flooding, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dering Harbor?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dering Harbor to be higher than in 4% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding54%Hurricanes18%Coastal flooding16%Everything else11%

By hazard

What Dering Harbor faces

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

Inland flooding

54% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

18% of expected damage

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

Recorded about once every 5 years in the area

Coastal flooding

16% 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 Dering Harbor flood?

FEMA's records show no paid flood insurance claims in Dering Harbor.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Dering Harbor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Suffolk County.

Disasters that hit Dering Harbor

3 federal disasters brought FEMA money here

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

Brought FEMA money into Dering HarborDeclared for Suffolk County only

2013

Severe Winter Storm and Snowstorm

$4K to the Village of Dering Harbor for repairs

2012

Hurricane Sandy

$95K to the Village of Dering Harbor for repairs

2010

Severe Storms and Flooding

$100K to the Village of Dering Harbor for repairs

Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Dering Harbor

Dering Harbor and the towns around it

Very lowLowModerateHighVery high

Dering Harbormostly inland floodingVery low

Shelter Island Heightsmostly 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. Dering Harbor 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 Dering Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Dering Harbor. 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.