Natural hazards · Palm Tree

Palm Tree, NY natural hazards

Most of the natural-hazard damage FEMA expects in Palm Tree comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Palm Tree?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Palm Tree to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves16%Tornadoes9%Hurricanes8%Strong wind8%Heat waves6%Everything else10%

By hazard

What Palm Tree faces

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

Inland flooding

43% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 3 times a year in the area

Cold waves

16% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Below average · higher than 30% of U.S. places

Hurricanes

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Strong wind

8% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 6 times a year in the area

Lower here

HailIce stormsWinter weatherLandslidesLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Palm Tree flood?

FEMA's records show no paid flood insurance claims in Palm Tree.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Palm Tree

Federal disasters declared here

None of the disasters declared for Orange County shows FEMA aid or repair money reaching Palm Tree itself in FEMA’s records.

Brought FEMA money into Palm TreeDeclared for Orange County only

Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Palm Tree

Palm Tree and the towns around it

Very lowLowModerateHighVery high

Palm Treemostly inland floodingVery low

Kiryas Joelmostly inland floodingVery low

Monroemostly 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. Palm Tree covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Palm Tree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Palm Tree. 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 Palm Tree total about $3.0M 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.