Natural hazards · Ramapo

Ramapo, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ramapo comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 335 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ramapo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ramapo to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves9%Strong wind6%Earthquakes5%Heat waves5%Everything else12%

By hazard

What Ramapo faces

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

Inland flooding

63% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 3 times a year in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 62% of U.S. places

Heat waves

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Ramapo flood?

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

335paid claims since 1978

$2.0Mpaid to owners

40homes flooded more than once

19782026

Biggest named events

Not a named storm: 64 claims, $130K
Hurricane Floyd: 11 claims, $125K
Hurricane Irene: 11 claims, $496K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ramapo 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 Ramapo

8 federal disasters brought FEMA money here

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

Brought FEMA money into RamapoDeclared for Rockland County only

2021

Remnants of Hurricane Ida

$1.3M to the Town of Ramapo for repairs

2020

Tropical Storm Isaias

$214K to the Town of Ramapo for repairs

2012

Hurricane Sandy

$2.2M to the Town of Ramapo for repairs

2011

Hurricane Irene

$1.1M to the Town of Ramapo for repairs

2010

Severe Winter Storm and Snowstorm

$227K to the Town of Ramapo for repairs

2007

Severe Storms and Inland and Coastal Flooding

$43K to the Town of Ramapo for repairs

2003

Snow

$138K to the Town of Ramapo for repairs

1999

Hurricane Floyd Major Disaster Declarations

$835K to the Town of Ramapo for repairs

Rockland County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Ramapo

Ramapo and the towns around it

Very lowLowModerateHighVery high

Sloatsburgmostly inland floodingVery high

Ringwoodmostly inland floodingHigh

Haverstrawmostly inland floodingModerate

Tuxedomostly inland floodingModerate

Ramapomostly inland floodingLow

Orangetownmostly inland floodingVery low

Clarkstownmostly inland floodingVery low

Chestnut Ridgemostly 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. Ramapo covers 39 census tracts, combined by population.

Money that reached townFlood claims are matched to Ramapo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ramapo. 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 Ramapo total about $22.5M 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.