Natural hazards · Henderson

Henderson, NY natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding80%Strong wind6%Everything else14%

By hazard

What Henderson faces

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

Inland flooding

80% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Henderson flood?

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

17paid claims since 1978

$234Kpaid to owners

1homes flooded more than once

19782026

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Henderson

1 federal disaster brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Jefferson County only

2017

Flooding

$72K to the Town of Henderson for repairs

Jefferson County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Henderson

Henderson and the towns around it

Very lowLowModerateHighVery high

Ellisburgmostly inland floodingLow

Adamsmostly inland floodingLow

Hendersonmostly inland floodingLow

Hounsfieldmostly 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. Henderson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Henderson. 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 Henderson total about $809K 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.