Natural hazards · Rutland

Rutland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Rutland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1998. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rutland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rutland to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves8%Everything else16%

By hazard

What Rutland 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 53% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Rutland flood?

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

1paid claims since 1998

$3Kpaid to owners

0homes flooded more than once

19982026

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Rutland

2 federal disasters brought FEMA money here

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

Brought FEMA money into RutlandDeclared for Jefferson County only

2014

Severe Winter Storm, Snowstorm, and Flooding

$9K to the Town of Rutland for repairs

1999

Snow

$3K to the Town of Rutland for repairs

Jefferson County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Rutland

Rutland and the towns around it

Very lowLowModerateHighVery high

Black Rivermostly inland floodingLow

Pinckneymostly inland floodingLow

Denmarkmostly inland floodingLow

Rutlandmostly inland floodingLow

Championmostly inland floodingVery low

Watertownmostly inland floodingVery low

Rodmanmostly inland floodingVery low

Le Raymostly 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. Rutland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Rutland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rutland. 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 Rutland total about $1.1M 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.