Photo: Jsderwin at English Wikipedia · Public domainQuogue’s building-damage rate from coastal flooding is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Quogue gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then coastal flooding (23%). Flood insurance has paid 274 claims here since 1978.
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 stands out about Quogue’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Quogue 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
Coastal 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 Quogue’s grade
River and rain flooding is 67% of the building damage FEMA expects in Quogue, and Quogue’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Coastal flooding adds 23%, at a rate in the top 1% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
All of Quogue’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.2M a year in losses across Quogue: $2.1M to buildings, the rest to people and crops.
Does Quogue flood? Yes: 274 flood claims since 1978
Every paid claim on a federal flood insurance policy in Quogue, from FEMA’s records: 188.1 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy114 claims · $5.8M
- The “Halloween” storm31 claims · $379K
- The Torrential rain26 claims · $285K
Quogue isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Suffolk County.8 federal disasters brought FEMA money to Quogue
Disasters that paid out in Quogue itself (aid to households or repair grants to the Village of Quogue), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$4K to the Village of Quogue for repairs
- 2013Severe Winter Storm and Snowstorm$13K to the Village of Quogue for repairs
- 2012Hurricane Sandy23 households applied for aid$40K aid approved$139K to the Village of Quogue for repairs114 flood claims paid for it, $5.8M
- 2011Hurricane Irene1 households applied for aid$37K to the Village of Quogue for repairs20 flood claims paid for it, $1.0M
- 2010Severe Storms and Flooding$5K to the Village of Quogue for repairs12 flood claims paid that year
- 2009Severe Storms and Flooding Assoc W Td Ida and Nor’easter$349K to the Village of Quogue for repairs1 flood claim paid that year
Show all 8
- 2007Severe Storms and Inland and Coastal Flooding$34K to the Village of Quogue for repairs3 flood claims paid that year
- 2003Snow$8K to the Village of Quogue for repairs
Suffolk County has had 26 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.
Old photos of Quogue after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Quogue archive →Quogue and its neighbors
Quogue has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Quogue | B−more damage than 54% | river and rain flooding | 274 |
| Westhampton Beach | Cmore damage than 66% | river and rain flooding | 1,020 |
| East Quogue | — | a Census area inside a town; graded with the town | |
| Quiogue | — | 941 residents; we grade 1,000+ | |
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 Quogue 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.
- 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.
- 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 Quogue
Is Quogue at risk for natural disasters?
On FEMA’s National Risk Index, Quogue has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (67%) and coastal flooding (23%). 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 Quogue flood?
Flood insurance has paid 274 claims in Quogue since 1978, $8.6M in all, or 188.1 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 48 properties have flooded more than once. The most claims came from Hurricane Sandy (114).
Is Quogue 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 Suffolk County, 66% of homes in mapped flood zones carry federal flood insurance, and 5.4% of all homes do.
How much is flood insurance in Quogue?
FEMA’s Community Rating System list shows no discount for Quogue’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 Quogue?
By FEMA money that reached Quogue, Severe Storms and Flooding Assoc W Td Ida and Nor’easter (2009): $349K to the Village of Quogue for repairs. By flood claims, Hurricane Sandy: 114 paid, $5.8M.
Is Quogue at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Quogue’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Quogue.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Quogue’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.