Natural hazards · Lloyd Harbor

Lloyd Harbor, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lloyd Harbor comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 17 claims here since 1983. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lloyd Harbor?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lloyd Harbor to be higher than in 2% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes19%Coastal flooding11%Earthquakes5%Everything else12%

By hazard

What Lloyd Harbor faces

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

Inland flooding

53% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

19% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

11% of expected damage

Well above average · higher than 97% of U.S. places

Earthquakes

5% of expected damage

Below average · higher than 41% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

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 Lloyd Harbor flood?

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

17paid claims since 1983

$441Kpaid to owners

1homes flooded more than once

19832026

Biggest named events

Hurricane Sandy: 6 claims, $242K
December Storm - Nor'easter: 4 claims, $54K
Torrential rain: 1 claim, $10K

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. Lloyd Harbor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Suffolk County.

Disasters that hit Lloyd Harbor

3 federal disasters brought FEMA money here

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

Brought FEMA money into Lloyd HarborDeclared for Suffolk County only

2021

Remnants of Hurricane Ida

29 households applied for aid $4K aid approved

2012

Hurricane Sandy

32 households applied for aid $10K aid approved

2011

Hurricane Irene

4 households applied for aid $3K aid approved

Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Lloyd Harbor

Lloyd Harbor and the towns around it

Very lowLowModerateHighVery high

Oyster Baymostly inland floodingVery low

Huntingtonmostly inland floodingVery low

Huntington Baymostly inland floodingVery low

Lloyd Harbormostly 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. Lloyd Harbor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lloyd Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lloyd Harbor. 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 Lloyd Harbor total about $950K 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.