FEMA expects less hazard damage per building in Croton-on-Hudson than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Croton-on-Hudson gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #211 of 758 in New York. Most of that expected damage is river and rain flooding (77%). Flood insurance has paid 10 claims here since 1980.
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 Croton-on-Hudson 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
Earthquakes
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 Croton-on-Hudson’s grade
River and rain flooding is 77% of the building damage FEMA expects in Croton-on-Hudson, and Croton-on-Hudson’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 5% of U.S. census tracts.
A #211 of 758 in New York; lower expected damage per building than 87% of U.S. towns (21,298).
Croton-on-Hudson’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, Croton-on-Hudson has less expected damage per building than 72% of New York towns.
In dollars, FEMA expects about $1.8M a year in losses across Croton-on-Hudson: $1.5M to buildings, the rest to people and crops.
Does Croton-on-Hudson flood? Sometimes: 10 flood claims since 1980
Every paid claim on a federal flood insurance policy in Croton-on-Hudson, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter1 claim · $2K
- The Vermont/New York Flooding1 claim · $7K
- The December Storm - nor’easter1 claim · $540
Croton-on-Hudson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Westchester County.7 federal disasters brought FEMA money to Croton-on-Hudson
Disasters that paid out in Croton-on-Hudson itself (aid to households or repair grants to the Village of Croton-on-Hudson), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida35 households applied for aid$31K aid approved$86K to the Village of Croton-on-Hudson for repairs
- 2020Tropical Storm Isaias$135K to the Village of Croton-on-Hudson for repairs
- 2012Hurricane Sandy98 households applied for aid$12K aid approved$345K to the Village of Croton-on-Hudson for repairs1 flood claim paid for it, $23K
- 2011Hurricane Irene14 households applied for aid$24K aid approved$394K to the Village of Croton-on-Hudson for repairs1 flood claim paid that year
- 2007Severe Storms and Inland and Coastal Flooding20 households applied for aid$4K aid approved$34K to the Village of Croton-on-Hudson for repairs1 flood claim paid that year
- 2003Snow$26K to the Village of Croton-on-Hudson for repairs
Show all 7
- 1999Hurricane Floyd Major Disaster Declarations$83K to the Village of Croton-on-Hudson for repairs
Westchester County has had 23 natural disasters declared by the President since 1953, most often hurricanes and tropical 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 Croton-on-Hudson after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Croton-on-Hudson archive →Croton-on-Hudson and its neighbors
Croton-on-Hudson is 4th of the 7 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 |
|---|---|---|---|
| Ossining | A+less damage than 96% | river and rain flooding | 15 |
| Ossining | A+less damage than 95% | river and rain flooding | 43 |
| Clarkstown | Aless damage than 92% | river and rain flooding | 724 |
| Croton-on-Hudson | Aless damage than 87% | river and rain flooding | 10 |
| Cortlandt | A−less damage than 84% | river and rain flooding | 74 |
| Haverstraw | B−more damage than 53% | river and rain flooding | 35 |
| Haverstraw | B−more damage than 54% | river and rain flooding | 3 |
| Crugers | — | a Census area inside a town; graded with the town | |
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 Croton-on-Hudson 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Croton-on-Hudson
Is Croton-on-Hudson at risk for natural disasters?
On FEMA’s National Risk Index, Croton-on-Hudson has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #211 of 758 in New York. Most of the expected damage is river and rain flooding (77%) and hurricanes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Croton-on-Hudson flood?
Flood insurance has paid 10 claims in Croton-on-Hudson since 1980, $75K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from April 2007 Nor'easter (1).
Is Croton-on-Hudson 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 Westchester County, 64% of homes in mapped flood zones carry federal flood insurance, and 3.0% of all homes do.
How much is flood insurance in Croton-on-Hudson?
FEMA’s Community Rating System list shows no discount for Croton-on-Hudson’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 Croton-on-Hudson?
By FEMA money that reached Croton-on-Hudson, Hurricane Irene (2011): 14 households applied for aid, $24K approved, and $394K to the Village of Croton-on-Hudson for repairs. By flood claims, April 2007 Nor'easter: 1 paid, $2K.
Is Croton-on-Hudson at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Croton-on-Hudson’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Croton-on-Hudson.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Croton-on-Hudson’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.