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Natural hazards · Pearl River

Pearl River, NY natural hazards

Most of the natural-hazard damage FEMA expects in Pearl River comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 87 claims here since 1978.

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

How exposed is Pearl River?

5
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pearl River to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding56%Hurricanes9%Cold waves8%Earthquakes7%Tornadoes6%Strong wind6%Everything else8%
By hazard

What Pearl River faces

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

Inland flooding

56% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

9% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once every 7 years in the area

Cold waves

8% of expected damage
Below average · higher than 30% of U.S. places
Recorded about once a year in the area

Earthquakes

7% of expected damage
Above average · higher than 59% of U.S. places

Tornadoes

6% of expected damage
Below average · higher than 39% of U.S. places

Strong wind

6% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Pearl River flood?

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

87paid claims since 1978
$1.1Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 22 claims, $32K
  • Hurricane Irene: 8 claims, $336K
  • Hurricane Floyd: 5 claims, $107K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Pearl River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rockland County.
Disasters that hit Pearl River

Federal disasters declared here

None of the disasters declared for Rockland County shows FEMA aid or repair money reaching Pearl River itself in FEMA’s records.

Brought FEMA money into Pearl RiverDeclared for Rockland County only
Rockland County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Pearl River

Pearl River and the towns around it

Blauvelt: Very low, mostly inland floodingOrangetown: Very low, mostly inland floodingClarkstown: Very low, mostly inland floodingTappan: Very low, mostly inland floodingNanuet: Low, mostly inland floodingChestnut Ridge: Very low, mostly inland floodingRamapo: Low, mostly inland floodingWest Nyack: Very low, mostly inland floodingOrangeburg: Low, mostly inland floodingGreenburgh: Very low, mostly inland floodingTarrytown: Very low, mostly inland floodingNyack: Very low, mostly inland floodingIrvington: Very low, mostly inland floodingUpper Nyack: Very low, mostly inland floodingHaverstraw: Moderate, mostly inland floodingHaverstraw: Moderate, mostly inland floodingNew City: Very low, mostly inland floodingOssining: Very low, mostly inland floodingOssining: Very low, mostly inland floodingSparkill: Low, mostly inland floodingSpring Valley: Low, mostly inland floodingBardonia: Very low, mostly inland floodingHillcrest: Low, mostly inland floodingAirmont: Very low, mostly inland floodingMonsey: Very low, mostly inland floodingTuxedo: Moderate, mostly inland floodingTuxedo: Moderate, mostly inland floodingSloatsburg: Very high, mostly inland floodingMount Ivy: Low, mostly inland floodingPearl River: Very low, mostly inland flooding Pearl RiverBlauveltOrangetownClarkstownTappanNanuetChestnut RidgeRamapoWest Nyack
Very lowLowModerateHighVery high
Nanuetmostly inland floodingLow
Ramapomostly inland floodingLow
Tappanmostly inland floodingVery low
Orangetownmostly inland floodingVery low
Clarkstownmostly inland floodingVery low
Chestnut Ridgemostly inland floodingVery low
West Nyackmostly inland floodingVery low
Pearl Rivermostly inland floodingVery low
Blauveltmostly 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. Pearl River covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Pearl River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pearl River. 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 Pearl River 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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