Natural hazards · Saddle Rock

Saddle Rock, NY natural hazards

Most of the natural-hazard damage FEMA expects in Saddle Rock comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 1979.

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

Expected damage

How exposed is Saddle Rock?

Low

vs. U.S. communities

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

Inland flooding59%Coastal flooding13%Hurricanes9%Earthquakes9%Everything else11%

By hazard

What Saddle Rock faces

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

Inland flooding

59% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 3 times a year in the area

Coastal flooding

13% of expected damage

Well above average · higher than 98% of U.S. places

Hurricanes

9% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 6 years in the area

Earthquakes

9% of expected damage

Above average · higher than 65% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Saddle Rock flood?

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

17paid claims since 1979

$471Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Hurricane Ida: 2 claims, $114K
Not a named storm: 2 claims, $11K
Hurricane Irene: 1 claim, $6K

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. Saddle Rock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Nassau County.

Disasters that hit Saddle Rock

Federal disasters declared here

None of the disasters declared for Nassau County shows FEMA aid or repair money reaching Saddle Rock itself in FEMA’s records.

Brought FEMA money into Saddle RockDeclared for Nassau County only

Nassau County has had 24 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Saddle Rock

Saddle Rock and the towns around it

Very lowLowModerateHighVery high

Saddle Rockmostly inland floodingLow

Great Neckmostly inland floodingVery low

Kings Pointmostly 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. Saddle Rock is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Saddle Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Saddle Rock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.