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BeekmantownPhoto: Benson Lossing · Public domain
C−Hazard risk
Natural hazards in Beekmantown · FEMA

FEMA puts Beekmantown’s expected hazard damage per building above that of 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Beekmantown gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #698 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 10 claims here since 1978.

River and rain flooding 93%Earthquakes 4%Ice storms 1%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#698 of 758 in New York
Hazard risk
C−#698 of 758
in New York · higher than 78% of U.S. towns
Main hazard
River and rain flooding
93% of expected building damage
Flood claims
10
paid since 1978 · $175K
Disasters paid out here
3
of 13 declared for Clinton County
By hazard

What Beekmantown 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

93%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Ice storms Strong wind Hurricanes Tornadoes Winter storms Lightning Hail Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Beekmantown’s grade

River and rain flooding is 93% of the building damage FEMA expects in Beekmantown, and Beekmantown’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.

Where Beekmantown sits
Beekmantown
Least damageMiddleMost damage

C− #698 of 758 in New York; higher expected damage per building than 78% of U.S. towns (21,298).

All of Beekmantown’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding93%Earthquakes4%Everything else3%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Beekmantown has more expected damage per building than 92% of New York towns.

In dollars, FEMA expects about $2.2M a year in losses across Beekmantown: $1.9M to buildings, the rest to people and crops.

Shared tract.All of Beekmantown’s 5,508 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Beekmantown flood? Sometimes: 10 flood claims since 1978

Every paid claim on a federal flood insurance policy in Beekmantown, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 3 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 6 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197819982011
19782026
10
paid claims since 1978
$175K
paid to owners
0
homes flooded more than once
$17K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Beekmantown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clinton County.
Disasters

3 federal disasters brought FEMA money to Beekmantown

Disasters that paid out in Beekmantown itself (aid to households or repair grants to the Town of Beekmantown), newest first, with that year’s flood claims.

  1. 2017Severe Winter Storm and Snowstorm$24K to the Town of Beekmantown for repairs
  2. 2011Hurricane Irene$51K to the Town of Beekmantown for repairs
  3. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$27K to the Town of Beekmantown for repairs
Disasters declared, by decade
Paid out in BeekmantownClinton County only

Clinton County has had 13 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Beekmantown after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Beekmantown archive →
Next door

Beekmantown and its neighbors

Beekmantown is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Isle La Motte: not gradedNorth Hero: not gradedPlattsburgh: hazard risk BChazy: hazard risk CDannemora: hazard risk B−Altona: hazard risk CIsle La MotteNorth HeroPlattsburghChazyDannemoraAltonaBeekmantown
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
PlattsburghBless damage than 55%river and rain flooding22
DannemoraB−less damage than 52%river and rain flooding—
AltonaCmore damage than 69%river and rain flooding4
ChazyCmore damage than 75%river and rain flooding14
BeekmantownC−more damage than 78%river and rain flooding10
Isle La Motte—577 residents; we grade 1,000+
North Hero—not graded yet

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Beekmantown faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Beekmantown

Is Beekmantown at risk for natural disasters?

On FEMA’s National Risk Index, Beekmantown has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #698 of 758 in New York. Most of the expected damage is river and rain flooding (93%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Beekmantown flood?

Flood insurance has paid 10 claims in Beekmantown since 1978, $175K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record.

Is Beekmantown 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 Clinton County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Beekmantown?

FEMA’s Community Rating System list shows no discount for Beekmantown’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 Beekmantown?

By FEMA money that reached Beekmantown, Hurricane Irene (2011): $51K to the Town of Beekmantown for repairs.

Is Beekmantown at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (93%), and Beekmantown’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Beekmantown.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beekmantown’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.