Natural hazards · Shoreham

Shoreham, NY natural hazards

Most of the natural-hazard damage FEMA expects in Shoreham comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shoreham?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shoreham to be higher than in 5% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding61%Hurricanes16%Earthquakes7%Cold waves5%Everything else11%

By hazard

What Shoreham faces

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

Inland flooding

61% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

16% of expected damage

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

Recorded about once every 5 years in the area

Earthquakes

7% of expected damage

Above average · higher than 50% of U.S. places

Cold waves

5% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat 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 Shoreham flood?

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

4paid claims since 1979

$1Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $377

of homes in flood zones
are insured

of all homes
are insured

No community discount. Shoreham 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.

Disasters that hit Shoreham

6 federal disasters brought FEMA money here

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

Brought FEMA money into ShorehamDeclared for Suffolk County only

2024

Severe Storm and Flooding

$44K to the Village of Shoreham for repairs

2021

Remnants of Hurricane Ida

12 households applied for aid $9K aid approved

2020

Tropical Storm Isaias

$77K to the Village of Shoreham for repairs

2017

Severe Winter Storm and Snowstorm

$28K to the Village of Shoreham for repairs

2012

Hurricane Sandy

25 households applied for aid $3K aid approved $336K to the Village of Shoreham for repairs

2011

Hurricane Irene

2 households applied for aid $92K to the Village of Shoreham for repairs

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

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. Shoreham 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 Shoreham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Shoreham. 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.