Photo: Peter Flass · CC BY 3.0FEMA puts Malta’s expected hazard damage per building below that of 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Malta gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #148 of 758 in New York. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 9 claims here since 1979.
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 Malta 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
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 Malta’s grade
River and rain flooding is 83% of the building damage FEMA expects in Malta, and Malta’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Next is hurricanes at 6% (higher than 66% of U.S. census tracts).
A #148 of 758 in New York; lower expected damage per building than 92% of U.S. towns (21,298).
Malta’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Malta has less expected damage per building than 81% of New York towns.
In dollars, FEMA expects about $3.3M a year in losses across Malta: $2.7M to buildings, the rest to people and crops.
Does Malta flood? Rarely: 9 flood claims since 1979
Every paid claim on a federal flood insurance policy in Malta, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene5 claims · $46K
- Tropical Storm Lee2 claims · $29K
- The April 2007 nor’easter1 claim · $73K
Malta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saratoga County.6 federal disasters brought FEMA money to Malta
Disasters that paid out in Malta itself (aid to households or repair grants to the Town of Malta), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$25K to the Town of Malta for repairs
- 2017Severe Winter Storm and Snowstorm$50K to the Town of Malta for repairs
- 2011Hurricane Irene5 households applied for aid$2K aid approved$94K to the Town of Malta for repairs5 flood claims paid for it, $46K
- 2008Severe Winter Storm$101K to the Town of Malta for repairs
- 2004Severe Storms and Flooding$10K to the Town of Malta for repairs
- 2002Snowstorms$12K to the Town of Malta for repairs
Saratoga County has had 13 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 Malta after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Malta archive →Malta and its neighbors
Malta is 3rd of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Clifton Park | A+less damage than 98% | river and rain flooding | 20 |
| Ballston | Aless damage than 92% | river and rain flooding | 3 |
| Malta | Aless damage than 92% | river and rain flooding | 9 |
| Saratoga Springs | Aless damage than 88% | river and rain flooding | 9 |
| Halfmoon | A−less damage than 84% | river and rain flooding | 17 |
| Stillwater | C+more damage than 58% | river and rain flooding | 34 |
| Saratoga | Cmore damage than 66% | river and rain flooding | 25 |
| Country Knolls | — | a Census area inside a town; graded with the town | |
| Round Lake | — | 915 residents; we grade 1,000+ | |
| North Ballston Spa | — | 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 Malta 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.
- 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 Malta
Is Malta at risk for natural disasters?
On FEMA’s National Risk Index, Malta has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #148 of 758 in New York. Most of the expected damage is river and rain flooding (83%) and hurricanes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Malta flood?
Flood insurance has paid 9 claims in Malta since 1979, $149K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (5).
Is Malta 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 Saratoga County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Malta?
FEMA’s Community Rating System list shows no discount for Malta’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 Malta?
By FEMA money that reached Malta, Severe Winter Storm (2008): $101K to the Town of Malta for repairs. By flood claims, Hurricane Irene: 5 paid, $46K.
Is Malta at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Malta’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Malta.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Malta’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.