Natural hazards · New Castle

New Castle, NY natural hazards

Most of the natural-hazard damage FEMA expects in New Castle comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 143 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is New Castle?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Castle to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding72%Hurricanes9%Everything else19%

By hazard

What New Castle faces

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

Inland flooding

72% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

9% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 7 years in the area

Lower here

TornadoesHailIce 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 New Castle flood?

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

143paid claims since 1978

$1.7Mpaid to owners

13homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 18 claims, $408K
Not a named storm: 18 claims, $32K
Hurricane Floyd: 13 claims, $311K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Westchester County.

Disasters that hit New Castle

8 federal disasters brought FEMA money here

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

Brought FEMA money into New CastleDeclared for Westchester County only

2023

Severe Storm and Flooding

$28K to the Town of New Castle for repairs

2021

Remnants of Hurricane Ida

$3.3M to the Town of New Castle for repairs

2020

Tropical Storm Isaias

$308K to the Town of New Castle for repairs

2012

Hurricane Sandy

$680K to the Town of New Castle for repairs

2011

Hurricane Irene

$385K to the Town of New Castle for repairs

2007

Severe Storms and Inland and Coastal Flooding

$71K to the Town of New Castle for repairs

2003

Snow

$79K to the Town of New Castle for repairs

1999

Hurricane Floyd Major Disaster Declarations

$693K to the Town of New Castle for repairs

Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around New Castle

New Castle and the towns around it

Very lowLowModerateHighVery high

Mount Kiscomostly inland floodingLow

Bedfordmostly inland floodingLow

Cortlandtmostly inland floodingVery low

North Castlemostly inland floodingVery low

Yorktownmostly inland floodingVery low

New Castlemostly inland floodingVery low

Somersmostly inland floodingVery low

Mount Pleasantmostly inland floodingVery low

Ossiningmostly 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. New Castle covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to New Castle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of New Castle. 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 New Castle 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.