Natural hazards · Monroe

Monroe, NY natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 82 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monroe?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding56%Hurricanes13%Cold waves9%Earthquakes6%Tornadoes6%Everything else11%

By hazard

What Monroe faces

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

Inland flooding

56% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

13% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Cold waves

9% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Earthquakes

6% of expected damage

Above average · higher than 63% of U.S. places

Tornadoes

6% of expected damage

Below average · higher than 30% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Monroe flood?

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

82paid claims since 1979

$1.3Mpaid to owners

11homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 25 claims, $855K
Hurricane Floyd: 8 claims, $92K
Not a named storm: 8 claims, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Monroe

10 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Orange County only

2021

Remnants of Hurricane Ida

109 households applied for aid $379K aid approved

2012

Hurricane Sandy

308 households applied for aid $107K aid approved $216K to the Village of Monroe for repairs

2011

Remnants of Tropical Storm Lee

19 households applied for aid $29K aid approved

2011

Hurricane Irene

748 households applied for aid $1.9M aid approved $48K to the Village of Monroe for repairs

2007

Severe Storms and Inland and Coastal Flooding

42 households applied for aid $25K aid approved

2005

Severe Storms and Flooding

26 households applied for aid $18K aid approved $11K to the Village of Monroe for repairs

2004

Tropical Depression Ivan

1 household applied for aid

2003

Snow

$19K to the Village of Monroe for repairs

2002

Snowstorms

$20K to the Village of Monroe for repairs

1999

Hurricane Floyd Major Disaster Declarations

$5K to the Village of Monroe for repairs

Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Monroe covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Monroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Monroe. 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 Monroe total about $1.0M 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.