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Natural hazards · Hamden

Hamden, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hamden comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1996. 14 federal disasters brought FEMA money into town.

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

How exposed is Hamden?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamden to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%
By hazard

What Hamden faces

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

Inland flooding

85% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 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 Hamden flood?

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

8paid claims since 1996
$76Kpaid to owners
2homes flooded more than once
19962026

Biggest named events

  • Hurricane Irene: 1 claim, $13K
  • Torrential rain: 1 claim, $6K

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. Hamden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Delaware County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Hamden

14 federal disasters brought FEMA money here

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

Brought FEMA money into HamdenDeclared for Delaware County only
2024

Remnants of Tropical Storm Debby

$295K to the Town of Hamden for repairs
2018

Severe Storms and Flooding

$110K to the Town of Hamden for repairs
2017

Severe Winter Storm and Snowstorm

$16K to the Town of Hamden for repairs
2013

Severe Storms and Flooding

$32K to the Town of Hamden for repairs
2011

Remnants of Tropical Storm Lee

$49K to the Town of Hamden for repairs
2011

Hurricane Irene

2 households applied for aid $9K to the Town of Hamden for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$59K to the Town of Hamden for repairs
2008

Severe Winter Storm

$45K to the Town of Hamden for repairs
2006

Severe Storms and Flooding

56 households applied for aid $90K aid approved $1.2M to the Town of Hamden for repairs
2005

Severe Storms and Flooding

3 households applied for aid $4K aid approved $103K to the Town of Hamden for repairs
2004

Tropical Depression Ivan

5 households applied for aid $12K aid approved $24K to the Town of Hamden for repairs
2003

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K to the Town of Hamden for repairs
2003

Snow

$4K to the Town of Hamden for repairs
2002

Snowstorms

$9K to the Town of Hamden for repairs
Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.
Around Hamden

Hamden and the towns around it

Delhi: High, mostly inland floodingWalton: Very high, mostly inland floodingColchester: Very high, mostly inland floodingAndes: High, mostly inland floodingFranklin: High, mostly inland floodingBovina: High, mostly inland floodingKortright: High, mostly inland floodingMeredith: High, mostly inland floodingStamford: High, mostly inland floodingTompkins: Very high, mostly inland floodingSidney: High, mostly inland floodingHancock: Very high, mostly inland floodingRockland: Very high, mostly inland floodingMiddletown: High, mostly inland floodingHardenburgh: High, mostly inland floodingOtego: Very high, mostly inland floodingOneonta: Moderate, mostly inland floodingHamden: High, mostly inland flooding HamdenDelhiWaltonColchesterAndesFranklin
Very lowLowModerateHighVery high
Colchestermostly inland floodingVery high
Waltonmostly inland floodingVery high
Franklinmostly inland floodingHigh
Delhimostly inland floodingHigh
Hamdenmostly inland floodingHigh
Andesmostly inland floodingHigh
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. Hamden 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 Hamden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hamden. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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