Storms, floods and disasters in Hudson
Hudson isn’t graded for hazard risk: Hudson has 610 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1982.
What Hudson 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
Tornadoes
Hail
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 Hudson flood? Rarely: 1 flood claim since 1982
Every paid claim on a federal flood insurance policy in Hudson, from FEMA’s records.
Hudson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steuben County.4 federal disasters brought FEMA money to Hudson
Disasters that paid out in Hudson itself (aid to households or repair grants to the Town of Hudson), newest first, with that year’s flood claims.
- 2009Severe Storms, Tornadoes, and Flooding2 households applied for aid$444 aid approved
- 2008Severe Storms and Flooding1 households applied for aid$173 aid approved
- 2000Snow$2K to the Town of Hudson for repairs
- 1999In-winter Storm 12/23/98$3K to the Town of Hudson for repairs
Steuben County has had 9 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hudson after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hudson archive →Get ready for what Hudson 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Hudson
Does Hudson flood?
Flood insurance has paid 1 claim in Hudson since 1982, $3K in all.
Is Hudson 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 Steuben County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Hudson?
FEMA’s Community Rating System list shows no discount for Hudson’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 Hudson?
By FEMA money that reached Hudson, In-winter Storm 12/23/98 (1999): $3K to the Town of Hudson for repairs.
Storm stories
Memories, warnings and help from neighbors in Hudson.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hudson’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.