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Natural hazards · Long Lake

Long Lake, NY natural hazards

Most of the natural-hazard damage FEMA expects in Long Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1998. 4 federal disasters brought FEMA money into town.

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

How exposed is Long Lake?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Long Lake to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding89%Earthquakes5%Everything else6%
By hazard

What Long Lake faces

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

Inland flooding

89% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once a year in the area

Earthquakes

5% of expected damage
Above average · higher than 70% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Long Lake flood?

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

10paid claims since 1998
$280Kpaid to owners
2homes flooded more than once
19982026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Long Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.
Disasters that hit Long Lake

4 federal disasters brought FEMA money here

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

Brought FEMA money into Long LakeDeclared for Hamilton County only
2023

Severe Storms and Flooding

$1.0M to the Town of Long Lake for repairs
2017

Severe Winter Storm and Snowstorm

$13K to the Town of Long Lake for repairs
2011

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

$30K to the Town of Long Lake for repairs
2006

Severe Storms and Flooding

$11K to the Town of Long Lake for repairs
Hamilton County has had 13 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Long Lake

Long Lake and the towns around it

Arietta: Moderate, mostly inland floodingInlet: High, mostly inland floodingNewcomb: High, mostly inland floodingWebb: Moderate, mostly inland floodingIndian Lake: Moderate, mostly inland floodingMinerva: High, mostly inland floodingTupper Lake: High, mostly inland floodingColton: Low, mostly inland floodingPiercefield: Low, mostly inland floodingHarrietstown: Moderate, mostly inland floodingMorehouse: Moderate, mostly inland floodingLake Pleasant: Moderate, mostly inland floodingCaroga: Moderate, mostly inland floodingWells: Very high, mostly inland floodingStratford: High, mostly inland floodingSpeculator: Moderate, mostly inland floodingNorth Hudson: High, mostly inland floodingKeene: Moderate, mostly inland floodingNorth Elba: Low, mostly inland floodingOhio: Moderate, mostly inland floodingFine: Moderate, mostly inland floodingWatson: High, mostly inland floodingGreig: Moderate, mostly inland floodingForestport: Moderate, mostly inland floodingDiana: Moderate, mostly inland floodingJohnsburg: Moderate, mostly inland floodingSchroon: Low, mostly inland floodingChester: High, mostly inland floodingSanta Clara: Moderate, mostly inland floodingWaverly: Moderate, mostly inland floodingHopkinton: Low, mostly inland floodingParishville: High, mostly inland floodingClifton: Moderate, mostly inland floodingClare: Moderate, mostly inland floodingSt. Armand: High, mostly inland floodingBrighton: Very low, mostly inland floodingSaranac Lake: Moderate, mostly inland floodingLong Lake: High, mostly inland flooding Long LakeAriettaInletNewcombWebbIndian LakeMinervaTupper LakeColtonPiercefieldHarrietstown
Very lowLowModerateHighVery high
Newcombmostly inland floodingHigh
Minervamostly inland floodingHigh
Tupper Lakemostly inland floodingHigh
Long Lakemostly inland floodingHigh
Inletmostly inland floodingHigh
Harrietstownmostly inland floodingModerate
Indian Lakemostly inland floodingModerate
Webbmostly inland floodingModerate
Ariettamostly inland floodingModerate
Coltonmostly inland floodingLow
Piercefieldmostly inland floodingLow
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. Long Lake covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Long Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Long Lake. 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 Long Lake total about $2.0M 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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