Natural hazards · Hammond

Hammond, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hammond comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hammond?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hammond to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves12%Everything else11%

By hazard

What Hammond faces

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

Inland flooding

77% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Cold waves

12% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Hammond flood?

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

1paid claims since 1993

$1Kpaid to owners

0homes flooded more than once

19932026

of all homes
are insured

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

Insurance rates: St. Lawrence County.

Disasters that hit Hammond

2 federal disasters brought FEMA money here

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

Brought FEMA money into HammondDeclared for St. Lawrence County only

2017

Flooding

$11K to the Town of Hammond for repairs

1999

Snow

$4K to the Town of Hammond for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Hammond

Hammond and the towns around it

Very lowLowModerateHighVery high

Morristownmostly inland floodingModerate

Macombmostly inland floodingModerate

Hammondmostly inland floodingModerate

Rossiemostly inland floodingModerate

Alexandriamostly inland floodingLow

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. Hammond covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hammond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hammond. 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 Hammond total about $795K 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.