Photo: Lillyfb · CC BY-SA 4.0FEMA expects less hazard damage per building in Lloyd Harbor than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Lloyd Harbor gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #12 of 758 in New York. Most of that expected damage is river and rain flooding (59%), then hurricanes (20%). Flood insurance has paid 17 claims here since 1983.
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 Lloyd Harbor 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
Coastal flooding
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 Lloyd Harbor’s grade
River and rain flooding is 59% of the building damage FEMA expects in Lloyd Harbor, and Lloyd Harbor’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts. Coastal flooding adds 12%, at a rate in the top 3% of U.S. census tracts.
A+ #12 of 758 in New York; among the lowest expected damage per building of U.S. towns (21,298).
All of Lloyd Harbor’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Lloyd Harbor has less expected damage per building than 99% of New York towns.
In dollars, FEMA expects about $950K a year in losses across Lloyd Harbor: $852K to buildings, the rest to people and crops.
Does Lloyd Harbor flood? Sometimes: 17 flood claims since 1983
Every paid claim on a federal flood insurance policy in Lloyd Harbor, from FEMA’s records: 13.5 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy6 claims · $242K
- The December Storm - nor’easter4 claims · $54K
- The Torrential rain1 claim · $10K
Lloyd Harbor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Suffolk County.3 federal disasters brought FEMA money to Lloyd Harbor
Disasters that paid out in Lloyd Harbor itself (aid to households or repair grants to the Village of Lloyd Harbor), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida29 households applied for aid$4K aid approved1 flood claim paid for it, $25K
- 2012Hurricane Sandy32 households applied for aid$10K aid approved6 flood claims paid for it, $242K
- 2011Hurricane Irene4 households applied for aid$3K aid approved1 flood claim paid for it, $29K
Suffolk County has had 26 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.
Old photos of Lloyd Harbor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lloyd Harbor archive →Lloyd Harbor and its neighbors
Lloyd Harbor has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lloyd Harbor | A+among the lowest damage | river and rain flooding | 17 |
| Huntington Bay | A+less damage than 98% | river and rain flooding | 69 |
| Huntington | A+less damage than 97% | river and rain flooding | 411 |
| Oyster Bay | Aless damage than 87% | river and rain flooding | 4,654 |
| Cold Spring Harbor | — | 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 Lloyd Harbor 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Lloyd Harbor
Is Lloyd Harbor at risk for natural disasters?
On FEMA’s National Risk Index, Lloyd Harbor has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #12 of 758 in New York. Most of the expected damage is river and rain flooding (59%) and hurricanes (20%). 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 Lloyd Harbor flood?
Flood insurance has paid 17 claims in Lloyd Harbor since 1983, $441K in all, or 13.5 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Sandy (6).
Is Lloyd Harbor 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 Suffolk County, 66% of homes in mapped flood zones carry federal flood insurance, and 5.4% of all homes do.
How much is flood insurance in Lloyd Harbor?
FEMA’s Community Rating System list shows no discount for Lloyd Harbor’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 Lloyd Harbor?
By FEMA money that reached Lloyd Harbor, Hurricane Sandy (2012): 32 households applied for aid, $10K approved. By flood claims, Hurricane Sandy: 6 paid, $242K.
Is Lloyd Harbor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Lloyd Harbor’s rate for it is lower than 97% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lloyd Harbor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lloyd Harbor’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.