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Natural hazards · Lloyd

Lloyd, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lloyd comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 33 claims here since 1992. 11 federal disasters brought FEMA money into town.

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

How exposed is Lloyd?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lloyd to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes12%Hurricanes8%Strong wind5%Everything else13%
By hazard

What Lloyd faces

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

Inland flooding

62% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

12% of expected damage
Below average · higher than 49% of U.S. places

Hurricanes

8% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once every 14 years in the area

Strong wind

5% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 4 times a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 flood?

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

33paid claims since 1992
$1.6Mpaid to owners
3homes flooded more than once
19922026

Biggest named events

  • Hurricane Irene: 14 claims, $733K
  • Hurricane Sandy: 2 claims, $257K
  • April 2007 Nor'easter: 2 claims, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lloyd 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 Lloyd

11 federal disasters brought FEMA money here

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

Brought FEMA money into LloydDeclared for Ulster County only
2017

Severe Winter Storm and Snowstorm

$38K to the Town of Lloyd for repairs
2011

Remnants of Tropical Storm Lee

$46K to the Town of Lloyd for repairs
2011

Hurricane Irene

$489K to the Town of Lloyd for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$19K to the Town of Lloyd for repairs
2007

Severe Storms and Inland and Coastal Flooding

$319K to the Town of Lloyd for repairs
2004

Tropical Depression Ivan

$396K to the Town of Lloyd for repairs
2004

Severe Storms and Flooding

$5K to the Town of Lloyd for repairs
2003

Snow

$23K to the Town of Lloyd for repairs
2002

Snowstorms

$69K to the Town of Lloyd for repairs
2000

Severe Storms and Flooding

$13K to the Town of Lloyd for repairs
1999

Hurricane Floyd Major Disaster Declarations

$4K to the Town of Lloyd for repairs
Ulster County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Lloyd

Lloyd and the towns around it

New Paltz: Very low, mostly inland floodingPlattekill: Low, mostly inland floodingMarlborough: Low, mostly inland floodingHyde Park: Low, mostly inland floodingEsopus: Low, mostly inland floodingPoughkeepsie: Low, mostly inland floodingPoughkeepsie: Moderate, mostly inland floodingGardiner: Moderate, mostly inland floodingRosendale: Moderate, mostly inland floodingMarbletown: Low, mostly inland floodingRochester: Moderate, mostly inland floodingNewburgh: Low, mostly inland floodingShawangunk: Low, mostly inland floodingClinton: Moderate, mostly inland floodingRhinebeck: Low, mostly inland floodingPleasant Valley: High, mostly inland floodingUlster: Low, mostly inland floodingKingston: Moderate, mostly inland floodingLaGrange: Low, mostly inland floodingWappinger: Low, mostly inland floodingWawarsing: High, mostly inland floodingLloyd: Low, mostly inland flooding LloydNew PaltzPlattekillMarlboroughHyde ParkEsopusPoughkeepsiePoughkeepsieGardiner
Very lowLowModerateHighVery high
Gardinermostly inland floodingModerate
Poughkeepsiemostly inland floodingModerate
Hyde Parkmostly inland floodingLow
Lloydmostly inland floodingLow
Poughkeepsiemostly inland floodingLow
Esopusmostly inland floodingLow
Plattekillmostly inland floodingLow
Marlboroughmostly inland floodingLow
New Paltzmostly 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 covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Lloyd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lloyd. 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 total about $3.0M 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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