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Natural hazards · Lumberland

Lumberland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lumberland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1996. 10 federal disasters brought FEMA money into town.

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

How exposed is Lumberland?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lumberland to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves8%Tornadoes7%Hurricanes5%Everything else8%
By hazard

What Lumberland faces

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

Inland flooding

72% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 2 times a year in the area

Cold waves

8% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

7% of expected damage
Below average · higher than 47% of U.S. places
Recorded about once every 62 years in the area

Hurricanes

5% of expected damage
Above average · higher than 70% of U.S. places
Recorded about once every 20 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lumberland flood?

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

11paid claims since 1996
$66Kpaid to owners
2homes flooded more than once
19962026

Biggest named events

  • Torrential rain: 1 claim, $20K
  • Hurricane Ida: 1 claim, $4K

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. Lumberland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sullivan County.
Disasters that hit Lumberland

10 federal disasters brought FEMA money here

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

Brought FEMA money into LumberlandDeclared for Sullivan County only
2021

Remnants of Hurricane Ida

$411K to the Town of Lumberland for repairs
2017

Severe Winter Storm and Snowstorm

$21K to the Town of Lumberland for repairs
2012

Hurricane Sandy

$48K to the Town of Lumberland for repairs
2011

Hurricane Irene

$36K to the Town of Lumberland for repairs
2006

Severe Storms and Flooding

$2K to the Town of Lumberland for repairs
2005

Severe Storms and Flooding

$192K to the Town of Lumberland for repairs
2004

Tropical Depression Ivan

1 household applied for aid $259K to the Town of Lumberland for repairs
2004

Severe Storms and Flooding

$4K to the Town of Lumberland for repairs
2003

Snow

$8K to the Town of Lumberland for repairs
2002

Snowstorms

$27K to the Town of Lumberland for repairs
Sullivan County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Lumberland

Lumberland and the towns around it

Forestburgh: Low, mostly inland floodingDeerpark: High, mostly inland floodingShohola: Low, mostly inland floodingWestfall: Very high, mostly inland floodingHighland: Moderate, mostly inland floodingThompson: Very low, mostly inland floodingMamakating: Moderate, mostly inland floodingPort Jervis: Very high, mostly inland floodingMount Hope: Very low, mostly inland floodingGreenville: Very low, mostly inland floodingDingman: Low, mostly inland floodingBlooming Grove: Very low, mostly inland floodingMilford: Very high, mostly inland floodingLackawaxen: Low, mostly inland floodingMontague: High, mostly inland floodingMatamoras: High, mostly inland floodingTusten: High, mostly inland floodingBethel: Very low, mostly inland floodingLumberland: Low, mostly inland flooding LumberlandForestburghDeerparkShoholaWestfallHighland
Very lowLowModerateHighVery high
Westfallmostly inland floodingVery high
Deerparkmostly inland floodingHigh
Highlandmostly inland floodingModerate
Lumberlandmostly inland floodingLow
Shoholamostly inland floodingLow
Forestburghmostly 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. Lumberland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lumberland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lumberland. 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 Lumberland total about $1.1M 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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