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Glen Historic DistrictGlen Historic District · Photo: Doug Kerr from Upstate New York · CC BY-SA 2.0
C+Hazard risk
Natural hazards in Glen · FEMA

FEMA puts Glen’s expected hazard damage per building above that of 62% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Glen gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns, #597 of 758 in New York. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 7 claims here since 1987.

River and rain flooding 93%Hurricanes 2%Earthquakes 1%

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

more than 62%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#597 of 758 in New York
Hazard risk
C+#597 of 758
in New York · higher than 62% of U.S. towns
Main hazard
River and rain flooding
93% of expected building damage
Flood claims
7
paid since 1987 · $374K
Flooded more than once
1
properties
Disasters paid out here
6
of 19 declared for Montgomery County
By hazard

What Glen 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

93%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hurricanes Earthquakes Tornadoes Strong wind Landslides top 1% Ice storms Wildfire Winter storms Lightning Hail Cold waves Heat waves
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 Glen’s grade

River and rain flooding is 93% of the building damage FEMA expects in Glen, and Glen’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.

Where Glen sits
Glen
Least damageMiddleMost damage

C+ #597 of 758 in New York; higher expected damage per building than 62% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding93%Everything else7%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Glen has more expected damage per building than 79% of New York towns.

In dollars, FEMA expects about $1.0M a year in losses across Glen: $795K to buildings, the rest to people and crops.

Shared tract.All of Glen’s 2,536 residents (2020 census) live in one census tract, which it shares with Root town (2,013 residents) and Fultonville village (742 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Glen flood? Rarely: 7 flood claims since 1987

Every paid claim on a federal flood insurance policy in Glen, from FEMA’s records: 7.5 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1987: 1 claim1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 2 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 3 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198720062011
19872026
Biggest named events
  • Hurricane Irene3 claims · $212K
7
paid claims since 1987
$374K
paid to owners
1
homes flooded more than once
$53K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Montgomery County.
Disasters

6 federal disasters brought FEMA money to Glen

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

  1. 2017Severe Winter Storm and Snowstorm$9K to the Town of Glen for repairs
  2. 2011Remnants of Tropical Storm Lee$460 to the Town of Glen for repairs
  3. 2011Hurricane Irene$16K to the Town of Glen for repairs3 flood claims paid for it, $212K
  4. 2006Severe Storms and Flooding$2K to the Town of Glen for repairs2 flood claims paid that year
  5. 2005Severe Storms and Flooding$3K to the Town of Glen for repairs
  6. 2002Snowstorms$6K to the Town of Glen for repairs
Disasters declared, by decade
Paid out in GlenMontgomery County only

Montgomery County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical 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 Glen after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Glen archive →
Next door

Glen and its neighbors

Glen is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Florida: hazard risk BMohawk: hazard risk CCharleston: hazard risk BRoot: hazard risk C+Tribes Hill: not gradedFultonville: not gradedFonda: not gradedFloridaMohawkCharlestonRootTribes HillFultonvilleFondaGlen
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
FloridaBless damage than 60%river and rain flooding4
CharlestonBless damage than 60%river and rain flooding12
RootC+more damage than 62%river and rain flooding5
GlenC+more damage than 62%river and rain flooding7
MohawkCmore damage than 69%river and rain flooding4
Tribes Hill—959 residents; we grade 1,000+
Fultonville—678 residents; we grade 1,000+
Fonda—596 residents; we grade 1,000+

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 Glen 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 ↗
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 Glen

Is Glen at risk for natural disasters?

On FEMA’s National Risk Index, Glen has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk, #597 of 758 in New York. Most of the expected damage is river and rain flooding (93%). 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 Glen flood?

Flood insurance has paid 7 claims in Glen since 1987, $374K in all, or 7.5 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (3).

Is Glen 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 Montgomery County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Glen?

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

By FEMA money that reached Glen, Hurricane Irene (2011): $16K to the Town of Glen for repairs. By flood claims, Hurricane Irene: 3 paid, $212K.

Is Glen at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (93%), and Glen’s rate for it is higher than 80% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Glen.

Town Square →
Start the conversation

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