Natural hazards · Halfmoon

Halfmoon, NY natural hazards

Most of the natural-hazard damage FEMA expects in Halfmoon comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 17 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Halfmoon?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Halfmoon to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes9%Everything else20%

By hazard

What Halfmoon faces

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

Inland flooding

71% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Below average · higher than 38% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Halfmoon flood?

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

17paid claims since 1979

$454Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Vermont/New York Flooding: 1 claim, $12K
Hurricane Irene: 1 claim, $298K
Hurricane Debby: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Halfmoon 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 Halfmoon

4 federal disasters brought FEMA money here

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

Brought FEMA money into HalfmoonDeclared for Saratoga County only

2017

Severe Winter Storm and Snowstorm

$58K to the Town of Halfmoon for repairs

2011

Hurricane Irene

$20K to the Town of Halfmoon for repairs

2008

Severe Winter Storm

$478K to the Town of Halfmoon for repairs

2002

Snowstorms

$23K to the Town of Halfmoon for repairs

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

Around Halfmoon

Halfmoon and the towns around it

Very lowLowModerateHighVery high

Mechanicvillemostly inland floodingVery high

Waterfordmostly inland floodingHigh

Stillwatermostly inland floodingModerate

Schaghticokemostly inland floodingModerate

Halfmoonmostly inland floodingVery low

Maltamostly inland floodingVery low

Coloniemostly inland floodingVery low

Clifton Parkmostly 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. Halfmoon covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Halfmoon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Halfmoon. 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 Halfmoon total about $5.2M 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.