Photo: Daniel Case · CC BY-SA 3.0FEMA puts Maybrook’s expected hazard damage per building below that of 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maybrook gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #22 of 758 in New York. Most of that expected damage is river and rain flooding (60%), then hurricanes (21%). FEMA’s files show no paid flood insurance claims here.
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 Maybrook 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.
What’s behind Maybrook’s grade
River and rain flooding is 60% of the building damage FEMA expects in Maybrook, and Maybrook’s rate of river and rain flooding damage is lower than 96% of U.S. census tracts. Next is hurricanes at 21% (higher than 81% of U.S. census tracts).
A+ #22 of 758 in New York; lower expected damage per building than 98% of U.S. towns (21,298).
Maybrook’s residents live in 3 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, Maybrook has less expected damage per building than 97% of New York towns.
In dollars, FEMA expects about $764K a year in losses across Maybrook: $601K to buildings, the rest to people and crops.
Does Maybrook flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Maybrook. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Maybrook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.6 federal disasters brought FEMA money to Maybrook
Disasters that paid out in Maybrook itself (aid to households or repair grants to the Village of Maybrook), newest first, with that year’s flood claims.
- 2011Hurricane Irene23 households applied for aid$51K aid approved$18K to the Village of Maybrook for repairs
- 2007Severe Storms and Inland and Coastal Flooding3 households applied for aid$211K to the Village of Maybrook for repairs
- 2004Severe Storms and Flooding1 households applied for aid$1K aid approved$15K to the Village of Maybrook for repairs
- 2003Snow$9K to the Village of Maybrook for repairs
- 2002Snowstorms$7K to the Village of Maybrook for repairs
- 1999Hurricane Floyd Major Disaster Declarations$13K to the Village of Maybrook for repairs
Orange County has had 25 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.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Orange County, 1999–2024.
Old photos of Maybrook after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maybrook archive →Maybrook and its neighbors
Maybrook has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Maybrook | A+less damage than 98% | river and rain flooding | 0 |
| Montgomery | B+less damage than 71% | river and rain flooding | 6 |
| Hamptonburgh | B+less damage than 69% | river and rain flooding | 40 |
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 Maybrook 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 Maybrook
Is Maybrook at risk for natural disasters?
On FEMA’s National Risk Index, Maybrook has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #22 of 758 in New York. Most of the expected damage is river and rain flooding (60%) and hurricanes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Maybrook 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 Orange County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Maybrook?
FEMA’s Community Rating System list shows no discount for Maybrook’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 Maybrook?
By FEMA money that reached Maybrook, Severe Storms and Inland and Coastal Flooding (2007): 3 households applied for aid, $0 approved, and $211K to the Village of Maybrook for repairs.
Is Maybrook at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Maybrook’s rate for it is lower than 96% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maybrook.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maybrook’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.