Photo: LINYperson615 · CC BY-SA 4.0On FEMA’s figures, Plandome faces less hazard damage per building than 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Plandome gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then hurricanes (12%). Flood insurance has paid 8 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 Plandome 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
Coastal flooding
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 Plandome’s grade
River and rain flooding is 70% of the building damage FEMA expects in Plandome, and Plandome’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 3% of U.S. census tracts.
A lower expected damage per building than 91% of U.S. towns (21,298).
All of Plandome’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $375K a year in losses across Plandome: $339K to buildings, the rest to people and crops.
Does Plandome flood? Rarely: 8 flood claims since 1979
Every paid claim on a federal flood insurance policy in Plandome, from FEMA’s records: 16.7 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida2 claims · $67K
- Hurricane Gloria1 claim · $4K
Plandome 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.2 federal disasters brought FEMA money to Plandome
Disasters that paid out in Plandome itself (aid to households or repair grants to the Village of Plandome), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida7 households applied for aid$48K aid approved2 flood claims paid for it, $67K
- 2012Hurricane Sandy5 households applied for aid$710 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 Plandome after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Plandome archive →Plandome and its neighbors
Plandome 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 |
|---|---|---|---|
| Flower Hill | A+less damage than 95% | river and rain flooding | 7 |
| Plandome Heights | Aless damage than 91% | river and rain flooding | 3 |
| Plandome | Aless damage than 91% | river and rain flooding | 8 |
| Plandome Manor | — | 718 residents; we grade 1,000+ | |
| Manhasset | — | 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 Plandome 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Plandome
Is Plandome at risk for natural disasters?
On FEMA’s National Risk Index, Plandome has lower expected damage per building than 91% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (70%) and hurricanes (12%). 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 Plandome flood?
Flood insurance has paid 8 claims in Plandome since 1979, $84K in all, or 16.7 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ida (2).
Is Plandome 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 Plandome?
FEMA’s Community Rating System list shows no discount for Plandome’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 Plandome?
By FEMA money that reached Plandome, Remnants of Hurricane Ida (2021): 7 households applied for aid, $48K approved. By flood claims, Hurricane Ida: 2 paid, $67K.
Is Plandome at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Plandome’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Plandome.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Plandome’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.