Hotel Broadalbin · Photo: Doug Kerr from Albany, New York, United States · CC BY-SA 2.0More hazard damage per building is expected in Broadalbin than in 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Broadalbin gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #610 of 758 in New York. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 1 claim here since 2019.
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
What Broadalbin 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.
What’s behind Broadalbin’s grade
River and rain flooding is 92% of the building damage FEMA expects in Broadalbin, and Broadalbin’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts.
C+ #610 of 758 in New York; higher expected damage per building than 64% of U.S. towns (21,298).
Broadalbin’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Broadalbin has more expected damage per building than 80% of New York towns.
In dollars, FEMA expects about $1.8M a year in losses across Broadalbin: $1.5M to buildings, the rest to people and crops.
Does Broadalbin flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in Broadalbin, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Broadalbin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fulton County.2 federal disasters brought FEMA money to Broadalbin
Disasters that paid out in Broadalbin itself (aid to households or repair grants to the Town of Broadalbin), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$12K to the Town of Broadalbin for repairs
- 2002Snowstorms$8K to the Town of Broadalbin for repairs
Fulton County has had 12 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.
Old photos of Broadalbin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Broadalbin archive →Broadalbin and its neighbors
Broadalbin is 6th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Galway | Aless damage than 87% | river and rain flooding | — |
| Perth | Aless damage than 86% | river and rain flooding | — |
| Providence | B+less damage than 69% | river and rain flooding | — |
| Mayfield | B+less damage than 68% | river and rain flooding | 4 |
| Northampton | C+more damage than 57% | river and rain flooding | 1 |
| Broadalbin | C+more damage than 64% | river and rain flooding | 1 |
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 Broadalbin 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 Broadalbin
Is Broadalbin at risk for natural disasters?
On FEMA’s National Risk Index, Broadalbin has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #610 of 758 in New York. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Broadalbin flood?
Flood insurance has paid 1 claim in Broadalbin since 2019, $3K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Broadalbin 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 Fulton County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Broadalbin?
FEMA’s Community Rating System list shows no discount for Broadalbin’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 Broadalbin?
By FEMA money that reached Broadalbin, Severe Winter Storm and Snowstorm (2017): $12K to the Town of Broadalbin for repairs.
Is Broadalbin at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Broadalbin’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Broadalbin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Broadalbin’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.