Storms, floods and disasters in Long Point
Long Point isn’t graded for hazard risk: Long Point has 245 residents; we grade towns of 1,000 or more.
What Long Point faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Long Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Long Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Long Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.1 federal disaster brought FEMA money to Long Point
Disasters that paid out in Long Point itself (aid to households or repair grants to the Village of Long Point), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding17 households applied for aid$31K aid approved
Livingston County has had 8 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Long Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Long Point archive →Get ready for what Long Point faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Long Point
Is Long Point in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Livingston County, 14% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Long Point?
FEMA’s Community Rating System list shows no discount for Long Point’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Long Point?
By FEMA money that reached Long Point, Severe Storms, Straight-line Winds, and Flooding (2013): 17 households applied for aid, $31K approved.
Storm stories
Memories, warnings and help from neighbors in Long Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Long Point’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.