Natural hazards · Ossining

Ossining, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ossining 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. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ossining?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ossining to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves9%Hurricanes8%Strong wind6%Heat waves6%Everything else14%

By hazard

What Ossining faces

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

Inland flooding

58% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Hurricanes

8% of expected damage

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

Recorded about once every 7 years in the area

Strong wind

6% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Ossining flood?

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

43paid claims since 1978

$1.3Mpaid to owners

4homes flooded more than once

19782026

Biggest named events

Hurricane Floyd: 10 claims, $531K
Hurricane Irene: 3 claims, $154K
Hurricane Ida: 3 claims, $96K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ossining 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 Ossining

4 federal disasters brought FEMA money here

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

Brought FEMA money into OssiningDeclared for Westchester County only

2021

Remnants of Hurricane Ida

145 households applied for aid $243K aid approved

2012

Hurricane Sandy

124 households applied for aid $6K aid approved

2011

Hurricane Irene

58 households applied for aid $92K aid approved

2007

Severe Storms and Inland and Coastal Flooding

27 households applied for aid $23K aid approved

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

Around Ossining

Ossining and the towns around it

Very lowLowModerateHighVery high

Cortlandtmostly inland floodingVery low

Croton-on-Hudsonmostly inland floodingVery low

Clarkstownmostly inland floodingVery low

Briarcliff Manormostly 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. Ossining covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Ossining’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ossining. 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 Ossining total about $3.5M 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.