Natural hazards · Stephentown

Stephentown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Stephentown comes from inland flooding, and overall the risk is high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stephentown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stephentown to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding72%Tornadoes10%Everything else19%

By hazard

What Stephentown faces

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

Inland flooding

72% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 56 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Stephentown flood?

FEMA's records show no paid flood insurance claims in Stephentown.

of all homes
are insured

No community discount. Stephentown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Rensselaer County.

Disasters that hit Stephentown

8 federal disasters brought FEMA money here

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

Brought FEMA money into StephentownDeclared for Rensselaer County only

2017

Severe Winter Storm and Snowstorm

$15K to the Town of Stephentown for repairs

2011

Hurricane Irene

7 households applied for aid $4K aid approved $299K to the Town of Stephentown for repairs

2010

Severe Winter Storm and Snowstorm

$18K to the Town of Stephentown for repairs

2008

Severe Winter Storm

$53K to the Town of Stephentown for repairs

2005

Severe Storms and Flooding

$144K to the Town of Stephentown for repairs

2003

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved

2002

Snowstorms

$19K to the Town of Stephentown for repairs

2000

Severe Storms and Flooding

$252K to the Town of Stephentown for repairs

Rensselaer County has had 23 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Stephentown

Stephentown and the towns around it

Very lowLowModerateHighVery high

Berlinmostly inland floodingHigh

East Nassaumostly inland floodingHigh

Nassaumostly inland floodingHigh

Stephentownmostly inland floodingHigh

New Lebanonmostly inland floodingModerate

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. Stephentown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stephentown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stephentown. 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 Stephentown total about $1.1M 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.