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Natural hazards · Saratoga

Saratoga, NY natural hazards

Most of the natural-hazard damage FEMA expects in Saratoga comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 25 claims here since 1984. 4 federal disasters brought FEMA money into town.

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

How exposed is Saratoga?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saratoga to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes5%Everything else14%
By hazard

What Saratoga faces

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

Inland flooding

81% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

5% of expected damage
Below average · higher than 38% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Saratoga flood?

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

25paid claims since 1984
$221Kpaid to owners
3homes flooded more than once
19842026

Biggest named events

  • Hurricane Irene: 5 claims, $41K
  • Tropical Storm Lee: 4 claims, $75K
  • April 2007 Nor'easter: 1 claim, $7K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Saratoga isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saratoga County.
Disasters that hit Saratoga

4 federal disasters brought FEMA money here

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

Brought FEMA money into SaratogaDeclared for Saratoga County only
2011

Hurricane Irene

1 household applied for aid $29K to the Town of Saratoga for repairs
2008

Severe Winter Storm

$93K to the Town of Saratoga for repairs
2004

Severe Storms and Flooding

$3K to the Town of Saratoga for repairs
2002

Snowstorms

$7K to the Town of Saratoga for repairs
Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Saratoga

Saratoga and the towns around it

Easton: Low, mostly inland floodingSaratoga Springs: Very low, mostly inland floodingStillwater: Moderate, mostly inland floodingMalta: Very low, mostly inland floodingSchuylerville: Moderate, mostly inland floodingNorthumberland: Very low, mostly inland floodingGreenwich: Moderate, mostly inland floodingCambridge: Low, mostly inland floodingStillwater: Very high, mostly inland floodingSchaghticoke: Moderate, mostly inland floodingJackson: Moderate, mostly inland floodingGreenfield: Low, mostly inland floodingWilton: Very low, mostly inland floodingMilton: Moderate, mostly inland floodingHalfmoon: Very low, mostly inland floodingMechanicville: Very high, mostly inland floodingClifton Park: Very low, mostly inland floodingBallston: Very low, mostly inland floodingRound Lake: Very low, mostly inland floodingVictory: Moderate, mostly inland floodingFort Edward: Low, mostly inland floodingMoreau: Very low, mostly inland floodingArgyle: Very low, mostly inland floodingSalem: High, mostly inland floodingSaratoga: High, mostly inland flooding SaratogaEastonSaratoga SpringsStillwaterMaltaSchuylervilleNorthumberlandGreenwich
Very lowLowModerateHighVery high
Saratogamostly inland floodingHigh
Stillwatermostly inland floodingModerate
Schuylervillemostly inland floodingModerate
Greenwichmostly inland floodingModerate
Eastonmostly inland floodingLow
Saratoga Springsmostly inland floodingVery low
Maltamostly inland floodingVery low
Northumberlandmostly 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. Saratoga covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Saratoga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Saratoga. 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 Saratoga total about $2.2M 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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