Photo: Tyler A. McNeil · CC BY-SA 4.0Storms, floods and disasters in Latham
Latham isn’t graded for hazard risk: Latham is a Census area inside a town, graded with the town. Flood insurance has paid 3 claims here since 2009.
What Latham 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.
Does Latham flood? Rarely: 3 flood claims since 2009
Every paid claim on a federal flood insurance policy in Latham, from FEMA’s records.
- Hurricane Irene1 claim · $46K
Latham 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.The storms Latham remembers
None of the 16 disasters declared for Albany County shows FEMA aid or repair money reaching Latham itself in FEMA’s records, so these are its biggest flood-claim years.
- 20091 flood claims paidNo declaration for the county that year
- 20111 flood claims paidThe year of Remnants of Tropical Storm Lee, declared for Albany County
- 20141 flood claims paidNo declaration for the county that year
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 Latham after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Latham archive →Latham 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 |
|---|---|---|---|
| Colonie | A+less damage than 96% | river and rain flooding | 89 |
| Watervliet | Bless damage than 62% | river and rain flooding | 8 |
| Loudonville | — | 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 Latham 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 Latham
Does Latham flood?
Flood insurance has paid 3 claims in Latham since 2009, $95K in all. The most claims came from Hurricane Irene (1).
Is Latham 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 Latham?
FEMA’s Community Rating System list shows no discount for Latham’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 Latham?
By flood claims, Hurricane Irene: 1 paid, $46K.
Storm stories
Memories, warnings and help from neighbors in Latham.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Latham’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.