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Natural hazards · Philipstown

Philipstown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Philipstown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 41 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Philipstown?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philipstown to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding76%Everything else24%
By hazard

What Philipstown faces

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

Inland flooding

76% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

TsunamisVolcanic 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 Philipstown flood?

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

41paid claims since 1979
$1.3Mpaid to owners
4homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 16 claims, $416K
  • Hurricane Sandy: 5 claims, $501K
  • April 2007 Nor'easter: 4 claims, $90K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Philipstown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Putnam County.
Disasters that hit Philipstown

8 federal disasters brought FEMA money here

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

Brought FEMA money into PhilipstownDeclared for Putnam County only
2023

Severe Storms and Flooding

$280K to the Town of Philipstown for repairs
2021

Remnants of Hurricane Ida

$462K to the Town of Philipstown for repairs
2020

Tropical Storm Isaias

$50K to the Town of Philipstown for repairs
2011

Hurricane Irene

$6K to the Town of Philipstown for repairs
2007

Severe Storms and Inland and Coastal Flooding

$660K to the Town of Philipstown for repairs
2005

Severe Storms and Flooding

$39K to the Town of Philipstown for repairs
2003

Snow

$47K to the Town of Philipstown for repairs
1999

Hurricane Floyd Major Disaster Declarations

$330K to the Town of Philipstown for repairs
Putnam County has had 21 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Philipstown

Philipstown and the towns around it

Highlands: Moderate, mostly inland floodingPutnam Valley: Low, mostly inland floodingFishkill: Low, mostly inland floodingKent: Very low, mostly inland floodingCortlandt: Very low, mostly inland floodingCornwall: Moderate, mostly inland floodingStony Point: Low, mostly inland floodingWoodbury: Very low, mostly inland floodingWoodbury: Very low, mostly inland floodingCarmel: Very low, mostly inland floodingEast Fishkill: Moderate, mostly inland floodingNewburgh: Low, mostly inland floodingWappinger: Low, mostly inland floodingNewburgh: Moderate, mostly inland floodingNew Windsor: Very low, mostly inland floodingPatterson: Very low, mostly inland floodingPawling: Low, mostly inland floodingPeekskill: Low, mostly inland floodingCroton-on-Hudson: Very low, mostly inland floodingOssining: Very low, mostly inland floodingBuchanan: Very low, mostly inland floodingOssining: Very low, mostly inland floodingYorktown: Very low, mostly inland floodingHaverstraw: Moderate, mostly inland floodingHaverstraw: Moderate, mostly inland floodingNew Castle: Very low, mostly inland floodingClarkstown: Very low, mostly inland floodingBlooming Grove: Low, mostly inland floodingPhilipstown: Moderate, mostly inland flooding PhilipstownHighlandsPutnam ValleyFishkillKentCortlandtCornwallStony Point
Very lowLowModerateHighVery high
Highlandsmostly inland floodingModerate
Philipstownmostly inland floodingModerate
Cornwallmostly inland floodingModerate
Fishkillmostly inland floodingLow
Stony Pointmostly inland floodingLow
Putnam Valleymostly inland floodingLow
Cortlandtmostly inland floodingVery low
Kentmostly 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. Philipstown covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Philipstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Philipstown. 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 Philipstown total about $3.2M 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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