Col. Sidney Berry House · Photo: Hammersit173 · CC BY-SA 3.0Less hazard damage per building is expected in Northumberland than in 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Northumberland gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns, #163 of 758 in New York. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 2 claims here since 2011.
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 Northumberland 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 Northumberland’s grade
River and rain flooding is 86% of the building damage FEMA expects in Northumberland, and Northumberland’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is hurricanes at 6% (higher than 64% of U.S. census tracts).
A #163 of 758 in New York; lower expected damage per building than 91% of U.S. towns (21,298).
All of Northumberland’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, Northumberland has less expected damage per building than 79% of New York towns.
In dollars, FEMA expects about $853K a year in losses across Northumberland: $633K to buildings, the rest to people and crops.
Does Northumberland flood? Rarely: 2 flood claims since 2011
Every paid claim on a federal flood insurance policy in Northumberland, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
Northumberland 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 Northumberland
Disasters that paid out in Northumberland itself (aid to households or repair grants to the Town of Northumberland), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$32K to the Town of Northumberland for repairs
- 2011Hurricane Irene$63K to the Town of Northumberland for repairs2 flood claims paid that year
- 2008Severe Winter Storm$64K to the Town of Northumberland for repairs
- 2008Severe Winter Storm$31K to the Town of Northumberland for repairs
- 2004Severe Storms and Flooding$128K to the Town of Northumberland for repairs
- 2002Snowstorms$13K to the Town of Northumberland 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 Northumberland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Northumberland archive →Northumberland and its neighbors
Northumberland is 2nd of the 6 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 |
|---|---|---|---|
| Moreau | Aless damage than 94% | river and rain flooding | 6 |
| Northumberland | Aless damage than 91% | river and rain flooding | 2 |
| Wilton | Aless damage than 88% | river and rain flooding | 1 |
| Fort Edward | B+less damage than 68% | river and rain flooding | 3 |
| Greenwich | Bless damage than 57% | river and rain flooding | 1 |
| Saratoga | Cmore damage than 66% | river and rain flooding | 25 |
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 Northumberland 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 Northumberland
Is Northumberland at risk for natural disasters?
On FEMA’s National Risk Index, Northumberland has lower expected damage per building than 91% of U.S. towns: A for hazard risk, #163 of 758 in New York. Most of the expected damage is river and rain flooding (86%) and hurricanes (6%). 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 Northumberland flood?
Flood insurance has paid 2 claims in Northumberland since 2011, $16K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record.
Is Northumberland 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 Northumberland?
FEMA’s Community Rating System list shows no discount for Northumberland’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 Northumberland?
By FEMA money that reached Northumberland, Severe Storms and Flooding (2004): $128K to the Town of Northumberland for repairs.
Is Northumberland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Northumberland’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Northumberland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Northumberland’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.