Natural hazards · North Sea

North Sea, NY natural hazards

Most of the natural-hazard damage FEMA expects in North Sea comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 154 claims here since 1978.

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

Expected damage

How exposed is North Sea?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Sea to be higher than in 10% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding63%Hurricanes20%Coastal flooding8%Everything else9%

By hazard

What North Sea faces

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

Inland flooding

63% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

20% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 5 years in the area

Coastal flooding

8% of expected damage

Well above average · higher than 97% 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 North Sea flood?

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

154paid claims since 1978

$2.3Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 43 claims, $1.4M
December Storm - Nor'easter: 25 claims, $308K
The “Halloween” storm: 14 claims, $62K

of homes in flood zones
are insured

of all homes
are insured

No community discount. North Sea 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 North Sea

Federal disasters declared here

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

Brought FEMA money into North SeaDeclared for Suffolk County only

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

Around North Sea

North Sea and the towns around it

Very lowLowModerateHighVery high

Tuckahoemostly inland floodingVery low

North Seamostly inland floodingVery low

Noyackmostly inland floodingVery low

Water Millmostly inland floodingVery low

Southamptonmostly 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 Sea covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to North Sea’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to North Sea. 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 Sea total about $2.5M 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.