Natural hazards · Highland Falls

Highland Falls, NY natural hazards

Most of the natural-hazard damage FEMA expects in Highland Falls comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Highland Falls?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Highland Falls to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes6%Cold waves6%Everything else12%
By hazard

What Highland Falls 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
Well above average · higher than 90% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 12 years in the area

Cold waves

6% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Highland Falls flood?

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

2paid claims since 1979
$31Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Hurricane Floyd: 1 claim, $31K
  • Not a named storm: 1 claim, $364
of homes in flood zones
are insured
of all homes
are insured
No community discount. Highland Falls isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.
Disasters that hit Highland Falls

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Highland Falls itself: aid to households, or repair grants to the Village of Highland Falls.

Brought FEMA money into Highland FallsDeclared for Orange County only
2023

Severe Storms and Flooding

$3.8M to the Village of Highland Falls for repairs
2021

Remnants of Hurricane Ida

4 households applied for aid $11K aid approved
2012

Hurricane Sandy

6 households applied for aid $734 aid approved
2011

Remnants of Tropical Storm Lee

1 household applied for aid $595 aid approved
2011

Hurricane Irene

41 households applied for aid $84K aid approved $239K to the Village of Highland Falls for repairs
2010

Severe Storms and Flooding

$2K to the Village of Highland Falls for repairs
2007

Severe Storms and Inland and Coastal Flooding

2 households applied for aid $2K aid approved $10K to the Village of Highland Falls for repairs
2005

Severe Storms and Flooding

3 households applied for aid $1K aid approved $15K to the Village of Highland Falls for repairs
2003

Snow

$13K to the Village of Highland Falls for repairs
2002

Snowstorms

$9K to the Village of Highland Falls for repairs
1999

Hurricane Floyd Major Disaster Declarations

$69K to the Village of Highland Falls for repairs
Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.
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. Highland Falls covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Highland Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Highland Falls. 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 Highland Falls total about $883K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01