Natural hazards · Westhampton Beach

Westhampton Beach, NY natural hazards

Most of the natural-hazard damage FEMA expects in Westhampton Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1,020 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westhampton Beach?

High

vs. U.S. communities

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

Inland flooding63%Coastal flooding26%Hurricanes7%Everything else5%

By hazard

What Westhampton Beach faces

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

Inland flooding

63% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 4 times a year in the area

Coastal flooding

26% of expected damage

Well above average · among the top 1% of U.S. places

Hurricanes

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 5 years in the area

Lower here

TornadoesHailIce 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 Westhampton Beach flood?

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

1,020paid claims since 1978

$37.6Mpaid to owners

107homes flooded more than once

19782026

Biggest named events

Hurricane Sandy: 261 claims, $17.2M
Blizzard of 1993: 133 claims, $3.8M
The “Halloween” storm: 81 claims, $3.0M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (22) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Westhampton Beach 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 Westhampton Beach

8 federal disasters brought FEMA money here

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

Brought FEMA money into Westhampton BeachDeclared for Suffolk County only

2021

Remnants of Hurricane Ida

9 households applied for aid

2020

Tropical Storm Isaias

$8K to the Village of Westhampton Beach for repairs

2013

Severe Winter Storm and Snowstorm

$27K to the Village of Westhampton Beach for repairs

2012

Hurricane Sandy

133 households applied for aid $206K aid approved $290K to the Village of Westhampton Beach for repairs

2011

Hurricane Irene

8 households applied for aid $42K to the Village of Westhampton Beach for repairs

2010

Severe Storms and Flooding

$17K to the Village of Westhampton Beach for repairs

2003

Snow

$16K to the Village of Westhampton Beach for repairs

1999

Hurricane Floyd Major Disaster Declarations

$4K to the Village of Westhampton Beach 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. Westhampton Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Westhampton Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Westhampton Beach. 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 Westhampton Beach total about $3.1M 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.