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Natural hazards · Northumberland

Northumberland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Northumberland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2011. 5 federal disasters brought FEMA money into town.

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

How exposed is Northumberland?

12
Very low
vs. U.S. communities

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

Inland flooding64%Tornadoes8%Cold waves7%Hurricanes6%Everything else14%
By hazard

What Northumberland faces

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

Inland flooding

64% of expected damage
Below average · higher than 32% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

8% of expected damage
Below average · higher than 33% of U.S. places

Cold waves

7% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

6% of expected damage
Above average · higher than 64% of U.S. places
Recorded about once every 24 years in the area

Lower here

HailIce stormsWinter weatherHeat 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 Northumberland flood?

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

2paid claims since 2011
$16Kpaid to owners
0homes flooded more than once
20112026
of all homes
are insured
No community discount. Northumberland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saratoga County.
Disasters that hit Northumberland

5 federal disasters brought FEMA money here

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

Brought FEMA money into NorthumberlandDeclared for Saratoga County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$32K to the Town of Northumberland for repairs
2011

Hurricane Irene

$63K to the Town of Northumberland for repairs
2008

Severe Winter Storm

$95K to the Town of Northumberland for repairs
2004

Severe Storms and Flooding

$128K to the Town of Northumberland for repairs
2002

Snowstorms

$13K to the Town of Northumberland for repairs
Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Northumberland

Northumberland and the towns around it

Fort Edward: Low, mostly inland floodingGreenwich: Moderate, mostly inland floodingWilton: Very low, mostly inland floodingSaratoga: High, mostly inland floodingMoreau: Very low, mostly inland floodingFort Edward: Moderate, mostly inland floodingArgyle: Very low, mostly inland floodingKingsbury: Very low, mostly inland floodingHudson Falls: Very low, mostly inland floodingEaston: Low, mostly inland floodingJackson: Moderate, mostly inland floodingSalem: High, mostly inland floodingSaratoga Springs: Very low, mostly inland floodingGreenfield: Low, mostly inland floodingCorinth: Moderate, mostly inland floodingStillwater: Moderate, mostly inland floodingMalta: Very low, mostly inland floodingSchuylerville: Moderate, mostly inland floodingQueensbury: Low, mostly inland floodingLake Luzerne: High, mostly inland floodingGlens Falls: Very low, mostly inland floodingSouth Glens Falls: Very low, mostly inland floodingNorthumberland: Very low, mostly inland flooding NorthumberlandFort EdwardGreenwichWiltonSaratogaMoreau
Very lowLowModerateHighVery high
Saratogamostly inland floodingHigh
Greenwichmostly inland floodingModerate
Fort Edwardmostly inland floodingLow
Wiltonmostly inland floodingVery low
Northumberlandmostly inland floodingVery low
Moreaumostly 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. Northumberland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Northumberland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Northumberland. 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 Northumberland total about $853K 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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