Beaverkill Valley Inn · Photo: Peter Bond from Philadelphia, USA. Cropped and color-corrected by Daniel Case on date of upload · CC BY-SA 2.0Storms, floods and disasters in Hardenburgh
Hardenburgh isn’t graded for hazard risk: Hardenburgh has 153 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Hardenburgh 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.
Does Hardenburgh flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Hardenburgh, from FEMA’s records.
- Hurricane Irene1 claim · $37K
Hardenburgh isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ulster County.12 federal disasters brought FEMA money to Hardenburgh
Disasters that paid out in Hardenburgh itself (aid to households or repair grants to the Town of Hardenburgh), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$6K to the Town of Hardenburgh for repairs
- 2012Hurricane Sandy$90K to the Town of Hardenburgh for repairs
- 2011Hurricane Irene$1.9M to the Town of Hardenburgh for repairs1 flood claim paid for it, $37K
- 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$27K to the Town of Hardenburgh for repairs
- 2007Severe Storms and Flooding$390K to the Town of Hardenburgh for repairs
- 2006Severe Storms and Flooding$194K to the Town of Hardenburgh for repairs
Show all 12
- 2005Severe Storms and Flooding$108K to the Town of Hardenburgh for repairs
- 2004Tropical Depression Ivan$59K to the Town of Hardenburgh for repairs
- 2003Snow$3K to the Town of Hardenburgh for repairs
- 2002Snowstorms$13K to the Town of Hardenburgh for repairs
- 2000Severe Storms and Flooding$7K to the Town of Hardenburgh for repairs
- 1999Hurricane Floyd Major Disaster Declarations$10K to the Town of Hardenburgh for repairs
Ulster County has had 28 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Hardenburgh after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hardenburgh archive →Hardenburgh and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Andes | Cmore damage than 75% | river and rain flooding | 19 |
| Middletown | C−more damage than 84% | river and rain flooding | 59 |
| Shandaken | Dmore damage than 89% | river and rain flooding | 214 |
| Rockland | Dmore damage than 90% | river and rain flooding | 499 |
| Denning | — | 587 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.
Get ready for what Hardenburgh 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 Hardenburgh
Does Hardenburgh flood?
Flood insurance has paid 1 claim in Hardenburgh since 2011, $37K in all. The most claims came from Hurricane Irene (1).
Is Hardenburgh 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 Ulster County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Hardenburgh?
FEMA’s Community Rating System list shows no discount for Hardenburgh’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 Hardenburgh?
By FEMA money that reached Hardenburgh, Hurricane Irene (2011): $1.9M to the Town of Hardenburgh for repairs. By flood claims, Hurricane Irene: 1 paid, $37K.
Storm stories
Memories, warnings and help from neighbors in Hardenburgh.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hardenburgh’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.