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–Not graded
Natural hazards in Red Oaks Mill · FEMA

Storms, floods and disasters in Red Oaks Mill

Red Oaks Mill isn’t graded for hazard risk: Red Oaks Mill is a Census area inside a town, graded with the town.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 20 declared for Dutchess County
By hazard

What Red Oaks Mill 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

80%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

13%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 14 years in the area
Smaller shares here
 Earthquakes Tornadoes Strong wind Ice storms Winter storms Lightning Hail Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Red Oaks Mill flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Red Oaks Mill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Red Oaks Mill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dutchess County.
Disasters

The storms Red Oaks Mill remembers

None of the 20 disasters declared for Dutchess County shows FEMA aid or repair money reaching Red Oaks Mill itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Red Oaks MillDutchess County only

Dutchess County has had 20 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.

Next door

Red Oaks Mill and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Spackenkill: not gradedPoughkeepsie: hazard risk B+LaGrange: hazard risk BWappinger: hazard risk BTitusville: not gradedSpackenkillPoughkeepsieLaGrangeWappingerTitusvilleRed Oaks Mill
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
PoughkeepsieB+less damage than 71%river and rain flooding45
WappingerBless damage than 63%river and rain flooding24
LaGrangeBless damage than 59%river and rain flooding44
Spackenkill—a Census area inside a town; graded with the town
Titusville—667 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.

Be ready

Get ready for what Red Oaks Mill faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Red Oaks Mill

Is Red Oaks Mill 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 Dutchess County, 31% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Red Oaks Mill?

FEMA’s Community Rating System list shows no discount for Red Oaks Mill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Red Oaks Mill.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Red Oaks Mill’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.