Latham is calmer than 94% of U.S. communities
Most of the natural-hazard damage FEMA expects in Latham comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2009.
What stands out about Latham’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Latham?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 6% of U.S. communities, mostly from inland flooding.
Calmer than 1,449 of the 1,524 New York towns we cover.
Latham covers 3 census tracts, combined by population.
What Latham faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Hurricanes
Earthquakes
Does Latham flood? Rarely: 3 flood claims since 2009
Every paid claim on a federal flood insurance policy in Latham, from FEMA’s records.
- Hurricane Irene1 claim · $46K
Latham isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Albany County.Federal disasters declared here
None of the disasters declared for Albany County shows FEMA aid or repair money reaching Latham itself in FEMA’s records.
Albany County has had 18 natural disasters declared since 1953, most often winter storms and hurricanes.
Get ready for what Latham actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Latham and its neighbors
Latham has the lowest rating of the 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Watervliet | Low | inland flooding | 8 |
| Colonie | Very low | inland flooding | 89 |
| Latham | Very low | inland flooding | 3 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Albany County’s 18 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Latham’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Latham.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Latham, expected losses total about $1.5M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Latham.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.