Natural hazards · Malta

Malta, NY natural hazards

Most of the natural-hazard damage FEMA expects in Malta comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Malta?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Malta to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes10%Hurricanes5%Everything else18%

By hazard

What Malta faces

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

Inland flooding

67% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Below average · higher than 38% of U.S. places

Hurricanes

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 22 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Malta flood?

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

9paid claims since 1979

$149Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 5 claims, $46K
Tropical Storm Lee: 2 claims, $29K
April 2007 Nor'easter: 1 claim, $73K

of all homes
are insured

No community discount. Malta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Saratoga County.

Disasters that hit Malta

6 federal disasters brought FEMA money here

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

Brought FEMA money into MaltaDeclared for Saratoga County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$25K to the Town of Malta for repairs

2017

Severe Winter Storm and Snowstorm

$50K to the Town of Malta for repairs

2011

Hurricane Irene

5 households applied for aid $2K aid approved $94K to the Town of Malta for repairs

2008

Severe Winter Storm

$101K to the Town of Malta for repairs

2004

Severe Storms and Flooding

$10K to the Town of Malta for repairs

2002

Snowstorms

$12K to the Town of Malta for repairs

Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Malta

Malta and the towns around it

Very lowLowModerateHighVery high

Saratogamostly inland floodingHigh

Stillwatermostly inland floodingModerate

Halfmoonmostly inland floodingVery low

Saratoga Springsmostly inland floodingVery low

Maltamostly inland floodingVery low

Ballstonmostly inland floodingVery low

Clifton Parkmostly inland floodingVery low

Round Lakemostly 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. Malta covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Malta’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Malta. 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 Malta total about $3.3M 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.