Natural hazards · Guilderland

Guilderland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Guilderland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 1999. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Guilderland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guilderland to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes13%Hurricanes7%Everything else18%

By hazard

What Guilderland 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 19% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Below average · higher than 43% of U.S. places

Hurricanes

7% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 20 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Guilderland flood?

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

9paid claims since 1999

$324Kpaid to owners

2homes flooded more than once

19992026

Biggest named events

Hurricane Irene: 3 claims, $105K
Hurricane Floyd: 2 claims, $174K
April 2007 Nor'easter: 2 claims, $26K

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

Insurance rates: Albany County.

Disasters that hit Guilderland

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Guilderland itself: aid to households, or repair grants to the Town of Guilderland.

Brought FEMA money into GuilderlandDeclared for Albany County only

2017

Severe Winter Storm and Snowstorm

$131K to the Town of Guilderland for repairs

2011

Hurricane Irene

7 households applied for aid $33K aid approved $218K to the Town of Guilderland for repairs

2008

Severe Winter Storm

$371K to the Town of Guilderland for repairs

2007

Severe Storms and Inland and Coastal Flooding

8 households applied for aid $5K aid approved $100K to the Town of Guilderland for repairs

2003

Snow

$28K to the Town of Guilderland for repairs

2002

Snowstorms

$100K to the Town of Guilderland for repairs

2000

Severe Storms and Flooding

$14K to the Town of Guilderland for repairs

1999

Hurricane Floyd Major Disaster Declarations

$158K to the Town of Guilderland for repairs

Albany County has had 18 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Guilderland

Guilderland and the towns around it

Very lowLowModerateHighVery high

Princetownmostly inland floodingLow

Albanymostly inland floodingLow

Rotterdammostly inland floodingLow

New Scotlandmostly inland floodingLow

Knoxmostly inland floodingVery low

Bethlehemmostly inland floodingVery low

Guilderlandmostly inland floodingVery low

Coloniemostly 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. Guilderland covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Guilderland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Guilderland. 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 Guilderland total about $6.3M 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.