Photo: AITFFan1 · CC BY-SA 4.0On FEMA’s figures, Malverne faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Malverne gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns, #487 of 758 in New York. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 3 claims here since 2007.
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 Malverne 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
Earthquakes
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 Malverne’s grade
River and rain flooding is 83% of the building damage FEMA expects in Malverne, and Malverne’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Next is earthquakes at 7% (higher than 72% of U.S. census tracts).
B #487 of 758 in New York; lower expected damage per building than 55% of U.S. towns (21,298).
Malverne’s residents live in 2 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, Malverne has more expected damage per building than 64% of New York towns.
In dollars, FEMA expects about $2.1M a year in losses across Malverne: $1.9M to buildings, the rest to people and crops.
Does Malverne flood? Rarely: 3 flood claims since 2007
Every paid claim on a federal flood insurance policy in Malverne, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
- The Late-September New York Flooding2 claims · $71K
Malverne isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Nassau County.3 federal disasters brought FEMA money to Malverne
Disasters that paid out in Malverne itself (aid to households or repair grants to the Village of Malverne), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida32 households applied for aid$17K aid approved
- 2012Hurricane Sandy101 households applied for aid$7K aid approved
- 2011Hurricane Irene7 households applied for aid$2K aid approved
Nassau County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical 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 Malverne after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Malverne archive →Malverne and its neighbors
Malverne is 3rd of the 3 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 |
|---|---|---|---|
| Lynbrook | B+less damage than 66% | river and rain flooding | 7 |
| Valley Stream | Bless damage than 64% | river and rain flooding | 232 |
| Malverne | Bless damage than 55% | river and rain flooding | 3 |
| Malverne Park Oaks | — | 635 residents; we grade 1,000+ | |
| North Lynbrook | — | 922 residents; we grade 1,000+ | |
| Lakeview | — | a Census area inside a town; graded with the town | |
| North Valley Stream | — | 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 Malverne 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Malverne
Is Malverne at risk for natural disasters?
On FEMA’s National Risk Index, Malverne has lower expected damage per building than 55% of U.S. towns: B for hazard risk, #487 of 758 in New York. Most of the expected damage is river and rain flooding (83%) and earthquakes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Malverne flood?
Flood insurance has paid 3 claims in Malverne since 2007, $81K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record. The most claims came from Late-September New York Flooding (2).
Is Malverne 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 Nassau County, 76% of homes in mapped flood zones carry federal flood insurance, and 9.6% of all homes do.
How much is flood insurance in Malverne?
FEMA’s Community Rating System list shows no discount for Malverne’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 Malverne?
By FEMA money that reached Malverne, Remnants of Hurricane Ida (2021): 32 households applied for aid, $17K approved. By flood claims, Late-September New York Flooding: 2 paid, $71K.
Is Malverne at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Malverne’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Malverne.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Malverne’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.