Photo: Doug Kerr from Albany, NY, United States · CC BY-SA 2.0Storms, floods and disasters in Belle Terre
Belle Terre isn’t graded for hazard risk: Belle Terre has 740 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1981.
What Belle Terre 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
Hurricanes
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 Belle Terre flood? Rarely: 7 flood claims since 1981
Every paid claim on a federal flood insurance policy in Belle Terre, from FEMA’s records.
- The December Storm - nor’easter1 claim · $4K
Belle Terre 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.The storms Belle Terre remembers
None of the 26 disasters declared for Suffolk County shows FEMA aid or repair money reaching Belle Terre itself in FEMA’s records, so these are its biggest flood-claim years.
- 20242 flood claims paidThe year of Severe Storm and Flooding, declared for Suffolk County
- 19811 flood claims paidNo declaration for the county that year
- 19921 flood claims paidThe year of Coastal Storm, High Tides, Heavy Rain, and Flooding, declared for Suffolk County
Suffolk County has had 26 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Belle Terre after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Belle Terre archive →Belle Terre and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Port Jefferson | A+less damage than 97% | river and rain flooding | 74 |
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.
Get ready for what Belle Terre 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Belle Terre
Does Belle Terre flood?
Flood insurance has paid 7 claims in Belle Terre since 1981, $253K in all. 1 properties have flooded more than once. The most claims came from December Storm - Nor'easter (1).
Is Belle Terre 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 Suffolk County, 66% of homes in mapped flood zones carry federal flood insurance, and 5.4% of all homes do.
How much is flood insurance in Belle Terre?
FEMA’s Community Rating System list shows no discount for Belle Terre’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 Belle Terre?
By flood claims, December Storm - Nor'easter: 1 paid, $4K.
Storm stories
Memories, warnings and help from neighbors in Belle Terre.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Belle Terre’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.