Natural hazards · Hadley

Hadley, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hadley comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2011. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hadley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hadley to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%

By hazard

What Hadley faces

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

Inland flooding

84% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Hadley flood?

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

2paid claims since 2011

$42Kpaid to owners

0homes flooded more than once

20112026

of all homes
are insured

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

Insurance rates: Saratoga County.

Disasters that hit Hadley

3 federal disasters brought FEMA money here

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

Brought FEMA money into HadleyDeclared for Saratoga County only

2017

Severe Winter Storm and Snowstorm

$26K to the Town of Hadley for repairs

2011

Hurricane Irene

7 households applied for aid $15K aid approved $27K to the Town of Hadley for repairs

2002

Snowstorms

$11K to the Town of Hadley for repairs

Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Hadley

Hadley and the towns around it

Very lowLowModerateHighVery high

Stony Creekmostly inland floodingHigh

Lake Luzernemostly inland floodingHigh

Hadleymostly inland floodingHigh

Daymostly inland floodingModerate

Corinthmostly inland floodingModerate

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. Hadley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hadley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hadley. 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 Hadley total about $582K 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.