Photo: LINYperson615 · CC BY-SA 4.0FEMA expects less hazard damage per building in Roslyn Estates than in 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roslyn Estates gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then hurricanes (11%). Flood insurance has paid 3 claims here since 2014.
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 Roslyn Estates 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 Roslyn Estates’ grade
River and rain flooding is 77% of the building damage FEMA expects in Roslyn Estates, and Roslyn Estates’ rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 5% of U.S. census tracts.
A lower expected damage per building than 90% of U.S. towns (21,298).
All of Roslyn Estates’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $313K a year in losses across Roslyn Estates: $281K to buildings, the rest to people and crops.
Does Roslyn Estates flood? Rarely: 3 flood claims since 2014
Every paid claim on a federal flood insurance policy in Roslyn Estates, from FEMA’s records: 6.2 per 1,000 homes, more than 65% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida1 claim · $20K
- The Late-September New York Flooding1 claim · $41K
- The Mid-spring storms1 claim · $15K
Roslyn Estates 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.5 federal disasters brought FEMA money to Roslyn Estates
Disasters that paid out in Roslyn Estates itself (aid to households or repair grants to the Village of Roslyn Estates), newest first, with that year’s flood claims.
- 2012Hurricane Sandy$130K to the Village of Roslyn Estates for repairs
- 2011Hurricane Irene$36K to the Village of Roslyn Estates for repairs
- 2010Severe Winter Storm and Snowstorm$5K to the Village of Roslyn Estates for repairs
- 2010Severe Storms and Flooding$8K to the Village of Roslyn Estates for repairs
- 2003Snow$3K to the Village of Roslyn Estates for repairs
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 Roslyn Estates after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Roslyn Estates archive →Roslyn Estates and its neighbors
Roslyn Estates is 4th of the 4 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 |
| North Hills | Aless damage than 93% | river and rain flooding | 9 |
| Roslyn | Aless damage than 90% | river and rain flooding | 29 |
| Roslyn Estates | Aless damage than 90% | river and rain flooding | 3 |
| Roslyn Heights | — | a Census area inside a town; graded with the town | |
| 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 Roslyn Estates 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 Roslyn Estates
Is Roslyn Estates at risk for natural disasters?
On FEMA’s National Risk Index, Roslyn Estates has lower expected damage per building than 90% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (77%) and hurricanes (11%). 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 Roslyn Estates flood?
Flood insurance has paid 3 claims in Roslyn Estates since 2014, $76K in all, or 6.2 per 1,000 homes, more than 65% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ida (1).
Is Roslyn Estates 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 Roslyn Estates?
FEMA’s Community Rating System list shows no discount for Roslyn Estates’ 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 Roslyn Estates?
By FEMA money that reached Roslyn Estates, Hurricane Sandy (2012): $130K to the Village of Roslyn Estates for repairs. By flood claims, Hurricane Ida: 1 paid, $20K.
Is Roslyn Estates at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Roslyn Estates’ rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roslyn Estates.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roslyn Estates’ 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.