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B+Hazard risk
Natural hazards in Lloyd · FEMA

FEMA puts Lloyd’s expected hazard damage per building below that of 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Lloyd gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns, #374 of 758 in New York. Most of that expected damage is river and rain flooding (81%), then hurricanes (10%). Flood insurance has paid 33 claims here since 1992.

River and rain flooding 81%Hurricanes 10%Tornadoes 4%

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

less than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#374 of 758 in New York
Hazard risk
B+#374 of 758
in New York · lower than 70% of U.S. towns
Main hazard
River and rain flooding
81% of expected building damage
Flood claims
33
paid since 1992 · $1.6M
Flooded more than once
3
properties · 1 “severe repetitive loss”
Disasters paid out here
11
of 28 declared for Ulster County

What stands out about Lloyd’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 70% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 201117 flood claims were paid for 2011 alone, the most of any year.
By hazard

What Lloyd 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

81%of expected building damage
About average · higher than 50% of U.S. census tracts
Recorded about 4 times a year in the area

Hurricanes

10%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about once every 14 years in the area
Smaller shares here
 Tornadoes Earthquakes Strong wind Ice storms Coastal flooding Wildfire Winter storms Lightning Hail Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic 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 Lloyd’s grade

River and rain flooding is 81% of the building damage FEMA expects in Lloyd, and Lloyd’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Next is hurricanes at 10% (higher than 80% of U.S. census tracts).

Where Lloyd sits
Lloyd
Least damageMiddleMost damage

B+ #374 of 758 in New York; lower expected damage per building than 70% of U.S. towns (21,298).

Lloyd’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding81%Hurricanes10%Tornadoes4%Everything else5%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Lloyd has less expected damage per building than 51% of New York towns.

In dollars, FEMA expects about $3.0M a year in losses across Lloyd: $2.2M to buildings, the rest to people and crops.

A small-area figure. Lloyd covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lloyd flood? Sometimes: 33 flood claims since 1992

Every paid claim on a federal flood insurance policy in Lloyd, from FEMA’s records: 6.5 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1992: 1 claim1993: 0 claims1994: 0 claims1995: 1 claim1996: 2 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 2 claims2006: 2 claims2007: 3 claims2008: 1 claim2009: 0 claims2010: 1 claim2011: 17 claims2012: 2 claims2013: 0 claims2014: 1 claim2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620072011
19922026
Biggest named events
  • Hurricane Irene14 claims · $733K
  • Hurricane Sandy2 claims · $257K
  • The April 2007 nor’easter2 claims · $7K
33
paid claims since 1992
$1.6M
paid to owners
3
homes flooded more than once
$48K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Lloyd 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.
Disasters

11 federal disasters brought FEMA money to Lloyd

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

  1. 2017Severe Winter Storm and Snowstorm$38K to the Town of Lloyd for repairs
  2. 2011Remnants of Tropical Storm Lee$46K to the Town of Lloyd for repairs
  3. 2011Hurricane Irene$489K to the Town of Lloyd for repairs14 flood claims paid for it, $733K
  4. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$19K to the Town of Lloyd for repairs
  5. 2007Severe Storms and Inland and Coastal Flooding$319K to the Town of Lloyd for repairs3 flood claims paid that year
  6. 2004Tropical Depression Ivan$396K to the Town of Lloyd for repairs
Show all 11
  1. 2004Severe Storms and Flooding$5K to the Town of Lloyd for repairs
  2. 2003Snow$23K to the Town of Lloyd for repairs
  3. 2002Snowstorms$69K to the Town of Lloyd for repairs
  4. 2000Severe Storms and Flooding$13K to the Town of Lloyd for repairs
  5. 1999Hurricane Floyd Major Disaster Declarations$4K to the Town of Lloyd for repairs
Disasters declared, by decade
Paid out in LloydUlster County only

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.

Were you here?

Old photos of Lloyd after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lloyd archive →
Next door

Lloyd and its neighbors

Lloyd is 6th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

New Paltz: hazard risk A−Plattekill: hazard risk A−Marlborough: hazard risk A−Hyde Park: hazard risk BEsopus: hazard risk A−Highland: not gradedClintondale: not gradedPoughkeepsie: hazard risk B+Poughkeepsie: hazard risk BMilton: not gradedNew PaltzPlattekillMarlboroughHyde ParkEsopusHighlandClintondalePoughkeepsiePoughkeepsieMiltonLloyd
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
New PaltzA−less damage than 84%river and rain flooding49
MarlboroughA−less damage than 83%river and rain flooding15
PlattekillA−less damage than 81%river and rain flooding5
EsopusA−less damage than 80%river and rain flooding9
PoughkeepsieB+less damage than 71%river and rain flooding45
LloydB+less damage than 70%river and rain flooding33
Hyde ParkBless damage than 61%river and rain flooding31
PoughkeepsieBless damage than 56%river and rain flooding41
Highland—a Census area inside a town; graded with the town
Clintondale—a Census area inside a town; graded with the town
Milton—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.

Be ready

Get ready for what Lloyd 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 ↗
Hurricane season
  • 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.
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 Lloyd

Is Lloyd at risk for natural disasters?

On FEMA’s National Risk Index, Lloyd has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk, #374 of 758 in New York. Most of the expected damage is river and rain flooding (81%) and hurricanes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Lloyd flood?

Flood insurance has paid 33 claims in Lloyd since 1992, $1.6M in all, or 6.5 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Hurricane Irene (14).

Is Lloyd 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 Lloyd?

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

By FEMA money that reached Lloyd, Hurricane Irene (2011): $489K to the Town of Lloyd for repairs. By flood claims, Hurricane Irene: 14 paid, $733K.

Is Lloyd at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (81%), and Lloyd’s rate for it is higher than 50% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lloyd.

Town Square →
Start the conversation

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