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Natural hazards · Hardenburgh

Hardenburgh, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hardenburgh comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2011. 12 federal disasters brought FEMA money into town.

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

How exposed is Hardenburgh?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardenburgh to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Hardenburgh faces

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

Inland flooding

86% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 4 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 Hardenburgh flood?

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

1paid claims since 2011
$37Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 1 claim, $37K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hardenburgh isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ulster County.
Disasters that hit Hardenburgh

12 federal disasters brought FEMA money here

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

Brought FEMA money into HardenburghDeclared for Ulster County only
2017

Severe Winter Storm and Snowstorm

$6K to the Town of Hardenburgh for repairs
2012

Hurricane Sandy

$90K to the Town of Hardenburgh for repairs
2011

Hurricane Irene

$1.9M to the Town of Hardenburgh for repairs
2011

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

$27K to the Town of Hardenburgh for repairs
2007

Severe Storms and Flooding

$390K to the Town of Hardenburgh for repairs
2006

Severe Storms and Flooding

$194K to the Town of Hardenburgh for repairs
2005

Severe Storms and Flooding

$108K to the Town of Hardenburgh for repairs
2004

Tropical Depression Ivan

$59K to the Town of Hardenburgh for repairs
2003

Snow

$3K to the Town of Hardenburgh for repairs
2002

Snowstorms

$13K to the Town of Hardenburgh for repairs
2000

Severe Storms and Flooding

$7K to the Town of Hardenburgh for repairs
1999

Hurricane Floyd Major Disaster Declarations

$10K to the Town of Hardenburgh for repairs
Ulster County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Hardenburgh

Hardenburgh and the towns around it

Denning: High, mostly inland floodingShandaken: Very high, mostly inland floodingRockland: Very high, mostly inland floodingAndes: High, mostly inland floodingMiddletown: High, mostly inland floodingOlive: Moderate, mostly inland floodingNeversink: High, mostly inland floodingRochester: Moderate, mostly inland floodingWawarsing: High, mostly inland floodingWoodstock: Moderate, mostly inland floodingLexington: High, mostly inland floodingHunter: High, mostly inland floodingLiberty: Very low, mostly inland floodingColchester: Very high, mostly inland floodingFremont: High, mostly inland floodingCallicoon: High, mostly inland floodingBovina: High, mostly inland floodingHamden: High, mostly inland floodingDelhi: High, mostly inland floodingRoxbury: High, mostly inland floodingHalcott: High, mostly inland floodingHardenburgh: High, mostly inland flooding HardenburghDenningShandakenRocklandAndesMiddletown
Very lowLowModerateHighVery high
Shandakenmostly inland floodingVery high
Rocklandmostly inland floodingVery high
Middletownmostly inland floodingHigh
Andesmostly inland floodingHigh
Hardenburghmostly inland floodingHigh
Denningmostly 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. Hardenburgh 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 Hardenburgh’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hardenburgh. 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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