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Natural hazards · Red Hook

Red Hook, NY natural hazards

Most of the natural-hazard damage FEMA expects in Red Hook comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 1996. 5 federal disasters brought FEMA money into town.

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

How exposed is Red Hook?

25
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Red Hook to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding73%Hurricanes10%Everything else17%
By hazard

What Red Hook faces

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

Inland flooding

73% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 17 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Red Hook flood?

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

17paid claims since 1996
$384Kpaid to owners
3homes flooded more than once
19962026

Biggest named events

  • Hurricane Irene: 9 claims, $216K
  • April 2007 Nor'easter: 2 claims, $133K

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. Red Hook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dutchess County.
Disasters that hit Red Hook

5 federal disasters brought FEMA money here

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

Brought FEMA money into Red HookDeclared for Dutchess County only
2017

Severe Winter Storm and Snowstorm

$27K to the Town of Red Hook for repairs
2011

Hurricane Irene

$103K to the Town of Red Hook for repairs
2010

Severe Winter Storm and Snowstorm

$18K to the Town of Red Hook for repairs
2007

Severe Storms and Inland and Coastal Flooding

$19K to the Town of Red Hook for repairs
2003

Snow

$15K to the Town of Red Hook for repairs
Dutchess County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Red Hook

Red Hook and the towns around it

Saugerties: Low, mostly inland floodingUlster: Low, mostly inland floodingMilan: Low, mostly inland floodingSaugerties: Moderate, mostly inland floodingClermont: Low, mostly inland floodingRhinebeck: Low, mostly inland floodingCatskill: Moderate, mostly inland floodingWoodstock: Moderate, mostly inland floodingKingston: Moderate, mostly inland floodingKingston: Moderate, mostly inland floodingEsopus: Low, mostly inland floodingHurley: Very low, mostly inland floodingRosendale: Moderate, mostly inland floodingClinton: Moderate, mostly inland floodingPine Plains: Low, mostly inland floodingStanford: Moderate, mostly inland floodingGallatin: Moderate, mostly inland floodingLivingston: Low, mostly inland floodingGermantown: Very low, mostly inland floodingHyde Park: Low, mostly inland floodingRed Hook: Low, mostly inland flooding Red HookSaugertiesUlsterMilanSaugertiesClermontRhinebeck
Very lowLowModerateHighVery high
Saugertiesmostly inland floodingModerate
Saugertiesmostly inland floodingLow
Clermontmostly inland floodingLow
Milanmostly inland floodingLow
Red Hookmostly inland floodingLow
Rhinebeckmostly inland floodingLow
Ulstermostly inland floodingLow
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. Red Hook covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Red Hook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Red Hook. 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 Red Hook total about $2.8M 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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