Natural hazards · Milton

Milton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Milton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1987. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Milton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milton to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding76%Tornadoes8%Everything else17%

By hazard

What Milton faces

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

Inland flooding

76% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Lower here

HurricanesHailIce 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 Milton flood?

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

1paid claims since 1987

$361paid to owners

0homes flooded more than once

19872026

of all homes
are insured

No community discount. Milton 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 Milton

3 federal disasters brought FEMA money here

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

Brought FEMA money into MiltonDeclared for Saratoga County only

2011

Hurricane Irene

$38K to the Town of Milton for repairs

2004

Severe Storms and Flooding

$137K to the Town of Milton for repairs

2002

Snowstorms

$22K to the Town of Milton for repairs

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

Around Milton

Milton and the towns around it

Very lowLowModerateHighVery high

Miltonmostly inland floodingModerate

Greenfieldmostly inland floodingLow

Galwaymostly inland floodingVery low

Saratoga Springsmostly inland floodingVery low

Ballstonmostly 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. Milton covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Milton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Milton. 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 Milton total about $4.7M 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.