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Natural hazards · North Castle

North Castle, NY natural hazards

Most of the natural-hazard damage FEMA expects in North Castle comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 43 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is North Castle?

15
Very low
vs. U.S. communities

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

Inland flooding74%Hurricanes9%Earthquakes6%Everything else12%
By hazard

What North Castle faces

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

Inland flooding

74% of expected damage
Below average · higher than 32% 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

Earthquakes

6% of expected damage
Above average · higher than 57% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 North Castle flood?

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

43paid claims since 1978
$456Kpaid to owners
6homes flooded more than once
19782026

Biggest named events

  • Hurricane Ida: 4 claims, $68K
  • Late-September New York Flooding: 3 claims, $87K
  • March 2010 Nor'easter: 2 claims, $27K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. North 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 North Castle

9 federal disasters brought FEMA money here

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

Brought FEMA money into North CastleDeclared for Westchester County only
2023

Severe Storm and Flooding

$8K to the Town of North Castle for repairs
2021

Remnants of Hurricane Ida

2 households applied for aid $2K aid approved
2020

Tropical Storm Isaias

$353K to the Town of North Castle for repairs
2012

Hurricane Sandy

$584K to the Town of North Castle for repairs
2011

Hurricane Irene

$258K to the Town of North Castle for repairs
2010

Severe Storms and Flooding

$162K to the Town of North Castle for repairs
2007

Severe Storms and Inland and Coastal Flooding

$61K to the Town of North Castle for repairs
2003

Snow

$57K to the Town of North Castle for repairs
1999

Hurricane Floyd Major Disaster Declarations

$40K to the Town of North Castle for repairs
Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.
Around North Castle

North Castle and the towns around it

Mount Pleasant: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingWhite Plains: Very low, mostly inland floodingPound Ridge: Very low, mostly inland floodingGreenburgh: Very low, mostly inland floodingGreenwich: High, mostly inland floodingStamford: High, mostly inland floodingNew Castle: Very low, mostly inland floodingBedford: Low, mostly inland floodingRye Brook: Low, mostly inland floodingRye: Moderate, mostly inland floodingOssining: Very low, mostly inland floodingTarrytown: Very low, mostly inland floodingBriarcliff Manor: Very low, mostly inland floodingSleepy Hollow: Very low, mostly inland floodingUpper Nyack: Very low, mostly inland floodingClarkstown: Very low, mostly inland floodingOrangetown: Very low, mostly inland floodingNyack: Very low, mostly inland floodingMamaroneck: Moderate, mostly inland floodingRye: Moderate, mostly inland floodingMamaroneck: Moderate, mostly inland floodingScarsdale: Very low, mostly inland floodingLewisboro: Very low, mostly inland floodingNew Canaan: High, mostly inland floodingYonkers: Low, mostly inland floodingHastings-on-Hudson: Low, mostly inland floodingIrvington: Very low, mostly inland floodingDobbs Ferry: Very low, mostly inland floodingAlpine: Very low, mostly inland floodingPort Chester: High, mostly inland floodingOyster Bay: Very low, mostly inland floodingDarien: High, mostly inland floodingMount Kisco: Low, mostly inland floodingYorktown: Very low, mostly inland floodingSomers: Very low, mostly inland floodingCortlandt: Very low, mostly inland floodingNorth Castle: Very low, mostly inland flooding North CastleMount PleasantHarrisonHarrisonWhite PlainsPound RidgeGreenburghGreenwichStamfordNew CastleBedfordRye BrookRye
Very lowLowModerateHighVery high
Stamfordmostly inland floodingHigh
Greenwichmostly inland floodingHigh
Ryemostly inland floodingModerate
Rye Brookmostly inland floodingLow
Bedfordmostly inland floodingLow
North Castlemostly inland floodingVery low
Harrisonmostly inland floodingVery low
Harrisonmostly inland floodingVery low
White Plainsmostly inland floodingVery low
Greenburghmostly inland floodingVery low
New Castlemostly inland floodingVery low
Mount Pleasantmostly inland floodingVery low
Pound Ridgemostly 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. North Castle covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to North Castle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North 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 North Castle total about $4.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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