Natural hazards · Montauk

Montauk, NY natural hazards

Most of the natural-hazard damage FEMA expects in Montauk comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 31 claims here since 2005.

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

Expected damage

How exposed is Montauk?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montauk to be higher than in 3% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding68%Hurricanes18%Coastal flooding5%Everything else9%

By hazard

What Montauk faces

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

Inland flooding

68% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

5% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Montauk flood?

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

31paid claims since 2005

$642Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Sandy: 14 claims, $142K
Hurricane Ida: 7 claims, $153K
December Nor'easter: 3 claims, $232K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Montauk 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.

Disasters that hit Montauk

Federal disasters declared here

None of the disasters declared for Suffolk County shows FEMA aid or repair money reaching Montauk itself in FEMA’s records.

Brought FEMA money into MontaukDeclared for Suffolk County only

Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Montauk covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Montauk’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Montauk. 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 Montauk total about $1.6M 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.