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ClermontClermont · Photo: Daniel Case · CC BY-SA 3.0
B+Hazard risk
Natural hazards in Clermont · FEMA

FEMA expects less hazard damage per building in Clermont than in 69% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Clermont gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 2 claims here since 2014.

River and rain flooding 82%Hurricanes 8%Earthquakes 4%

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

less than 69%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in New York · lower than 69% of U.S. towns
Main hazard
River and rain flooding
82% of expected building damage
Flood claims
2
paid since 2014 · $112K
Flooded more than once
1
properties
Disasters paid out here
7
of 19 declared for Columbia County
By hazard

What Clermont 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

82%of expected building damage
About average · higher than 52% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

8%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once every 17 years in the area
Smaller shares here
 Earthquakes Tornadoes Ice storms Strong wind Wildfire Hail Winter storms Lightning 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 Clermont’s grade

River and rain flooding is 82% of the building damage FEMA expects in Clermont, and Clermont’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is hurricanes at 8% (higher than 73% of U.S. census tracts).

Where Clermont sits
Clermont
Least damageMiddleMost damage

B+ lower expected damage per building than 69% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding82%Hurricanes8%Earthquakes4%Everything else5%

In dollars, FEMA expects about $686K a year in losses across Clermont: $548K to buildings, the rest to people and crops.

Shared tract.All of Clermont’s 2,058 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 Clermont flood? Rarely: 2 flood claims since 2014

Every paid claim on a federal flood insurance policy in Clermont, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2014: 1 claim2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 1 claim2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20142021
20142026
2
paid claims since 2014
$112K
paid to owners
1
homes flooded more than once
$56K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

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

Insurance rates: Columbia County.
Disasters

7 federal disasters brought FEMA money to Clermont

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

  1. 2017Severe Winter Storm and Snowstorm$10K to the Town of Clermont for repairs
  2. 2011Hurricane Irene$4K to the Town of Clermont for repairs
  3. 2010Severe Winter Storm and Snowstorm$8K to the Town of Clermont for repairs
  4. 2008Severe Winter Storm$47K to the Town of Clermont for repairs
  5. 2007Severe Storms and Inland and Coastal Flooding$7K to the Town of Clermont for repairs
  6. 2003Snow$4K to the Town of Clermont for repairs
Show all 7
  1. 2002Snowstorms$8K to the Town of Clermont for repairs
Disasters declared, by decade
Paid out in ClermontColumbia County only

Columbia County has had 19 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 Clermont after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Clermont archive →
Next door

Clermont and its neighbors

Clermont is 4th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Livingston: hazard risk BGallatin: hazard risk C+Germantown: hazard risk ARed Hook: hazard risk A−Saugerties: hazard risk BMilan: hazard risk B+LivingstonGallatinGermantownRed HookSaugertiesMilanClermont
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
GermantownAless damage than 90%river and rain flooding—
Red HookA−less damage than 76%river and rain flooding17
MilanB+less damage than 71%river and rain flooding3
ClermontB+less damage than 69%river and rain flooding2
SaugertiesBless damage than 62%river and rain flooding50
LivingstonBless damage than 61%river and rain flooding13
GallatinC+more damage than 63%river and rain flooding9

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 Clermont 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 ↗
Hurricane season
  • 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.
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 Clermont

Is Clermont at risk for natural disasters?

On FEMA’s National Risk Index, Clermont has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (82%) and hurricanes (8%). 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 Clermont flood?

Flood insurance has paid 2 claims in Clermont since 2014, $112K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.

Is Clermont 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 Columbia County, 0.6% of all homes carry federal flood insurance.

How much is flood insurance in Clermont?

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

By FEMA money that reached Clermont, Severe Winter Storm (2008): $47K to the Town of Clermont for repairs.

Is Clermont at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (82%), and Clermont’s rate for it is higher than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Clermont.

Town Square →
Start the conversation

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