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Natural hazards · Hurley

Hurley, NY natural hazards

Most of the natural-hazard damage FEMA expects in Hurley comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 33 claims here since 1981. 13 federal disasters brought FEMA money into town.

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

How exposed is Hurley?

14
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hurley to be higher than in 14% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes11%Cold waves10%Hurricanes8%Hail5%Everything else9%
By hazard

What Hurley faces

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

Inland flooding

56% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

11% of expected damage
Below average · higher than 48% of U.S. places

Cold waves

10% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

8% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 17 years in the area

Hail

5% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Hurley flood?

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

33paid claims since 1981
$980Kpaid to owners
6homes flooded more than once
19812026

Biggest named events

  • Torrential rain: 13 claims, $605K
  • Hurricane Irene: 9 claims, $319K
  • Tropical Storm Lee: 1 claim, $5K

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. Hurley 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 Hurley

13 federal disasters brought FEMA money here

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

Brought FEMA money into HurleyDeclared for Ulster County only
2017

Severe Winter Storm and Snowstorm

$19K to the Town of Hurley for repairs
2012

Hurricane Sandy

2 households applied for aid
2011

Remnants of Tropical Storm Lee

5 households applied for aid $10K aid approved
2011

Hurricane Irene

76 households applied for aid $217K aid approved $66K to the Town of Hurley for repairs
2007

Severe Storms and Inland and Coastal Flooding

4 households applied for aid $7K aid approved $106K to the Town of Hurley for repairs
2006

Severe Storms and Flooding

3 households applied for aid $4K aid approved $12K to the Town of Hurley for repairs
2005

Severe Storms and Flooding

18 households applied for aid $44K aid approved $121K to the Town of Hurley for repairs
2004

Tropical Depression Ivan

$7K to the Town of Hurley for repairs
2004

Severe Storms and Flooding

1 household applied for aid $6K aid approved $63K to the Town of Hurley for repairs
2003

Snow

$18K to the Town of Hurley for repairs
2002

Snowstorms

$39K to the Town of Hurley for repairs
2000

Severe Storms and Flooding

$30K to the Town of Hurley for repairs
1999

Hurricane Floyd Major Disaster Declarations

$19K to the Town of Hurley for repairs
Ulster County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Hurley

Hurley and the towns around it

Ulster: Low, mostly inland floodingWoodstock: Moderate, mostly inland floodingMarbletown: Low, mostly inland floodingOlive: Moderate, mostly inland floodingRosendale: Moderate, mostly inland floodingKingston: Moderate, mostly inland floodingKingston: Moderate, mostly inland floodingEsopus: Low, mostly inland floodingSaugerties: Low, mostly inland floodingRed Hook: Low, mostly inland floodingRhinebeck: Low, mostly inland floodingShandaken: Very high, mostly inland floodingHunter: High, mostly inland floodingNew Paltz: Very low, mostly inland floodingRochester: Moderate, mostly inland floodingDenning: High, mostly inland floodingHurley: Very low, mostly inland flooding HurleyUlsterWoodstockMarbletownOliveRosendale
Very lowLowModerateHighVery high
Woodstockmostly inland floodingModerate
Rosendalemostly inland floodingModerate
Olivemostly inland floodingModerate
Marbletownmostly inland floodingLow
Ulstermostly inland floodingLow
Hurleymostly 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. Hurley covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Hurley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hurley. 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 Hurley total about $1.7M 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/15 · 2025-01-01
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