Natural hazards · Somers

Somers, NY natural hazards

Most of the natural-hazard damage FEMA expects in Somers comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 28 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Somers?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somers to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding70%Hurricanes9%Cold waves5%Earthquakes5%Everything else11%

By hazard

What Somers faces

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

Inland flooding

70% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

9% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 7 years in the area

Cold waves

5% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Earthquakes

5% of expected damage

Above average · higher than 53% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Somers flood?

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

28paid claims since 1978

$368Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

April 2007 Nor'easter: 3 claims, $24K
Hurricane Irene: 2 claims, $24K
Hurricane Ida: 2 claims, $50K

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

Insurance rates: Westchester County.

Disasters that hit Somers

7 federal disasters brought FEMA money here

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

Brought FEMA money into SomersDeclared for Westchester County only

2021

Remnants of Hurricane Ida

25 households applied for aid $51K aid approved

2020

Tropical Storm Isaias

$253K to the Town of Somers for repairs

2012

Hurricane Sandy

17 households applied for aid $298K to the Town of Somers for repairs

2011

Hurricane Irene

9 households applied for aid $7K aid approved $63K to the Town of Somers for repairs

2007

Severe Storms and Inland and Coastal Flooding

5 households applied for aid $2K aid approved $23K to the Town of Somers for repairs

2003

Snow

$51K to the Town of Somers for repairs

1999

Hurricane Floyd Major Disaster Declarations

$438K to the Town of Somers for repairs

Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around Somers

Somers and the towns around it

Very lowLowModerateHighVery high

Bedfordmostly inland floodingLow

North Salemmostly inland floodingLow

Yorktownmostly inland floodingVery low

Somersmostly inland floodingVery low

Lewisboromostly inland floodingVery low

New Castlemostly inland floodingVery low

Carmelmostly 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. Somers covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Somers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Somers. 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 Somers total about $4.9M 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.