Mastic Beach’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Mastic Beach comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 536 claims here since 1979.
What stands out about Mastic Beach’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Mastic Beach flood? Yes: 536 flood claims since 1979
Every paid claim on a federal flood insurance policy in Mastic Beach, from FEMA’s records.
- Hurricane Sandy245 claims · $11.2M
- The “Halloween” storm40 claims · $216K
- The Torrential rain38 claims · $265K
Mastic Beach 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.What Mastic Beach faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Coastal flooding
Hurricanes
The storms Mastic Beach remembers
None of the disasters declared for Suffolk County shows FEMA aid or repair money reaching Mastic Beach itself in FEMA’s records.
- 2012246 flood claims paidThe most in any one year on record
- 200543 flood claims paidOne of the three biggest flood years on record
- 199143 flood claims paidOne of the three biggest flood years on record
Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Old photos of Mastic Beach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mastic Beach archive →How exposed is Mastic Beach?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 34% of U.S. communities, mostly from inland flooding and coastal flooding.
Calmer than 858 of the 1,524 New York towns we cover.
Mastic Beach covers 5 census tracts, combined by population.
Get ready for what Mastic Beach actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–September
The month each of Suffolk County’s 28 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Mastic Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Mastic Beach.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Mastic Beach, expected losses total about $3.6M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Mastic Beach.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.