Natural hazards · Sag Harbor

Sag Harbor, NY natural hazards

Most of the natural-hazard damage FEMA expects in Sag Harbor comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 112 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sag Harbor?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sag Harbor to be higher than in 8% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding73%Hurricanes18%Everything else9%

By hazard

What Sag Harbor 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

Well below average · higher than 18% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 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 Sag Harbor flood?

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

112paid claims since 1978

$2.0Mpaid to owners

11homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 32 claims, $1.3M
Torrential rain: 19 claims, $258K
December Storm - Nor'easter: 14 claims, $158K

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

Insurance rates: Suffolk County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Sag Harbor

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Sag Harbor itself: aid to households, or repair grants to the Village of Sag Harbor.

Brought FEMA money into Sag HarborDeclared for Suffolk County only

2021

Remnants of Hurricane Ida

17 households applied for aid $10K aid approved

2012

Hurricane Sandy

83 households applied for aid $121K aid approved $176K to the Village of Sag Harbor for repairs

2011

Hurricane Irene

7 households applied for aid $535 aid approved $43K to the Village of Sag Harbor for repairs

2010

Severe Storms and Flooding

$28K to the Village of Sag Harbor for repairs

2003

Snow

$9K to the Village of Sag Harbor for repairs

1999

Hurricane Floyd Major Disaster Declarations

$2K to the Village of Sag Harbor for repairs

Suffolk County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Sag Harbor

Sag Harbor and the towns around it

Very lowLowModerateHighVery high

Noyackmostly inland floodingVery low

Sag Harbormostly inland floodingVery low

Wainscottmostly inland floodingVery low

Northwest Harbormostly 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. Sag Harbor 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 Sag Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Sag Harbor. 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.