FEMA puts Broadalbin’s expected hazard damage per building above that of 68% 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 68% of U.S. towns. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.
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 84% of U.S. census tracts.
C higher expected damage per building than 68% of U.S. towns (21,298).
Broadalbin’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $507K a year in losses across Broadalbin: $429K to buildings, the rest to people and crops.
Does Broadalbin flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Broadalbin. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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.4 federal disasters brought FEMA money to Broadalbin
Disasters that paid out in Broadalbin itself (aid to households or repair grants to the Village of Broadalbin), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$4K to the Village of Broadalbin for repairs
- 2011Remnants of Tropical Storm Lee1 households applied for aid$5K aid approved
- 2003Severe Storms, Flooding, and Tornadoes4 households applied for aid$9K aid approved
- 2002Snowstorms$2K to the Village 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 →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 68% of U.S. towns: C for hazard risk. 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.
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 Storms, Flooding, and Tornadoes (2003): 4 households applied for aid, $9K approved.
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 84% 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.