Natural hazards · Water Mill

Water Mill, NY natural hazards

Most of the natural-hazard damage FEMA expects in Water Mill comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 24 claims here since 2005.

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

Expected damage

How exposed is Water Mill?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Water Mill to be higher than in 7% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding69%Hurricanes21%Everything else10%

By hazard

What Water Mill faces

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

Inland flooding

69% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

21% 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 Water Mill flood?

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

24paid claims since 2005

$606Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Sandy: 10 claims, $494K
March 2010 Nor'easter: 3 claims, $15K
December Nor'easter: 1 claim, $13K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Water Mill 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 Water Mill

Federal disasters declared here

None of the disasters declared for Suffolk County shows FEMA aid or repair money reaching Water Mill itself in FEMA’s records.

Brought FEMA money into Water MillDeclared for Suffolk County only

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

Around Water Mill

Water Mill and the towns around it

Very lowLowModerateHighVery high

Bridgehamptonmostly inland floodingVery low

North Seamostly inland floodingVery low

Water Millmostly inland floodingVery low

Southamptonmostly 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. Water Mill covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Water Mill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Water Mill. 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 Water Mill total about $2.0M 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.