Natural hazards · Monticello

Monticello, NY natural hazards

Most of the natural-hazard damage FEMA expects in Monticello comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2006. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monticello?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monticello to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves24%Tornadoes15%Earthquakes6%Hurricanes5%Everything else11%

By hazard

What Monticello faces

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

Inland flooding

40% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

15% of expected damage

Below average · higher than 46% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 56% of U.S. places

Hurricanes

5% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 25 years in the area

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 Monticello flood?

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

3paid claims since 2006

$38Kpaid to owners

0homes flooded more than once

20062026

Biggest named events

Hurricane Irene: 1 claim, $6K
Hurricane Sandy: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sullivan County.

Disasters that hit Monticello

6 federal disasters brought FEMA money here

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

Brought FEMA money into MonticelloDeclared for Sullivan County only

2012

Hurricane Sandy

60 households applied for aid $32K aid approved $27K to the Village of Monticello for repairs

2011

Hurricane Irene

41 households applied for aid $70K aid approved $31K to the Village of Monticello for repairs

2006

Severe Storms and Flooding

6 households applied for aid $2K aid approved

2005

Severe Storms and Flooding

27 households applied for aid $60K aid approved $73K to the Village of Monticello for repairs

2004

Tropical Depression Ivan

7 households applied for aid $2K aid approved

2002

Snowstorms

$23K to the Village of Monticello for repairs

Sullivan County has had 26 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. Monticello is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Monticello’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Monticello. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Monticello, NY natural hazards

How exposed is Monticello?

What Monticello faces

Inland flooding

Cold waves

Tornadoes

Earthquakes

Hurricanes

Lower here

Not a risk here

Does Monticello flood?

Biggest named events

6 federal disasters brought FEMA money here

Hurricane Sandy

Hurricane Irene

Severe Storms and Flooding

Severe Storms and Flooding

Tropical Depression Ivan

Snowstorms

How to read this page

Where to, neighbor?

Matches

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