Photo: Daniel Case · CC BY-SA 3.0On FEMA’s figures, Coeymans faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coeymans gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #339 of 758 in New York. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 16 claims here since 1981.
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 stands out about Coeymans’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Coeymans 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.
What’s behind Coeymans’ grade
River and rain flooding is 86% of the building damage FEMA expects in Coeymans, and Coeymans’ rate of river and rain flooding damage is higher than 51% of U.S. census tracts. Landslides add 1%, at a rate in the top 2% of U.S. census tracts.
B+ #339 of 758 in New York; lower expected damage per building than 73% of U.S. towns (21,298).
Coeymans’ 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, Coeymans has less expected damage per building than 55% of New York towns.
In dollars, FEMA expects about $1.9M a year in losses across Coeymans: $1.5M to buildings, the rest to people and crops.
Does Coeymans flood? Sometimes: 16 flood claims since 1981
Every paid claim on a federal flood insurance policy in Coeymans, from FEMA’s records: 4.3 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene7 claims · $458K
- Hurricane Floyd2 claims · $75K
- The April 2007 nor’easter2 claims · $18K
Coeymans isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Albany County.8 federal disasters brought FEMA money to Coeymans
Disasters that paid out in Coeymans itself (aid to households or repair grants to the Town of Coeymans), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$26K to the Town of Coeymans for repairs1 flood claim paid that year
- 2011Hurricane Irene7 households applied for aid$19K aid approved$128K to the Town of Coeymans for repairs7 flood claims paid for it, $458K
- 2008Severe Winter Storm$49K to the Town of Coeymans for repairs
- 2008Severe Winter Storm$35K to the Town of Coeymans for repairs
- 2007Severe Storms and Inland and Coastal Flooding$60K to the Town of Coeymans for repairs2 flood claims paid that year
- 2003Snow$12K to the Town of Coeymans for repairs
Show all 8
- 2002Snowstorms$24K to the Town of Coeymans for repairs
- 1999Hurricane Floyd Major Disaster Declarations$42K to the Town of Coeymans for repairs2 flood claims paid for it, $75K
Albany County has had 16 natural disasters declared by the President since 1953, most often winter storms, then severe 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 Coeymans after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coeymans archive →Coeymans and its neighbors
Coeymans is 3rd 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 |
|---|---|---|---|
| Bethlehem | Aless damage than 92% | river and rain flooding | 19 |
| New Scotland | A−less damage than 82% | river and rain flooding | 10 |
| Coeymans | B+less damage than 73% | river and rain flooding | 16 |
| Westerlo | B+less damage than 72% | river and rain flooding | 3 |
| Schodack | B−more damage than 55% | river and rain flooding | 8 |
| New Baltimore | C+more damage than 56% | river and rain flooding | 3 |
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 Coeymans 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 Coeymans
Is Coeymans at risk for natural disasters?
On FEMA’s National Risk Index, Coeymans has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #339 of 758 in New York. Most of the expected damage is river and rain flooding (86%) and hurricanes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coeymans flood?
Flood insurance has paid 16 claims in Coeymans since 1981, $587K in all, or 4.3 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (7).
Is Coeymans 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 Albany County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Coeymans?
FEMA’s Community Rating System list shows no discount for Coeymans’ 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 Coeymans?
By FEMA money that reached Coeymans, Hurricane Irene (2011): 7 households applied for aid, $19K approved, and $128K to the Town of Coeymans for repairs. By flood claims, Hurricane Irene: 7 paid, $458K.
Is Coeymans at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Coeymans’ rate for it is higher than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coeymans.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coeymans’ 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.