Photo: LINYperson615 · CC BY-SA 4.0On FEMA’s figures, Roslyn Harbor faces less hazard damage per building than 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roslyn Harbor 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 (77%), then hurricanes (11%). Flood insurance has paid 17 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 Roslyn Harbor 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 Harbor’s grade
River and rain flooding is 77% of the building damage FEMA expects in Roslyn Harbor, and Roslyn Harbor’s rate of river and rain flooding damage is lower than 75% 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 91% of U.S. towns (21,298).
Roslyn Harbor’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $233K a year in losses across Roslyn Harbor: $208K to buildings, the rest to people and crops.
Does Roslyn Harbor flood? Sometimes: 17 flood claims since 1978
Every paid claim on a federal flood insurance policy in Roslyn Harbor, from FEMA’s records: 53.0 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
- The December Storm - nor’easter2 claims · $31K
- Hurricane Sandy2 claims · $395K
Roslyn Harbor 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 Harbor
Disasters that paid out in Roslyn Harbor itself (aid to households or repair grants to the Village of Roslyn Harbor), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida2 households applied for aid$1K aid approved$118K to the Village of Roslyn Harbor for repairs
- 2020Tropical Storm Isaias$71K to the Village of Roslyn Harbor for repairs
- 2012Hurricane Sandy$97K to the Village of Roslyn Harbor for repairs2 flood claims paid for it, $395K
- 2011Hurricane Irene$8K to the Village of Roslyn Harbor for repairs1 flood claim paid that year
- 2003Snow$7K to the Village of Roslyn Harbor 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 Harbor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Roslyn Harbor archive →Roslyn Harbor and its neighbors
Roslyn Harbor is 3rd of the 5 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 |
|---|---|---|---|
| North Hempstead | Aless damage than 94% | river and rain flooding | 189 |
| Old Brookville | Aless damage than 91% | river and rain flooding | — |
| Roslyn Harbor | Aless damage than 91% | river and rain flooding | 17 |
| Roslyn | Aless damage than 90% | river and rain flooding | 29 |
| Oyster Bay | Aless damage than 87% | river and rain flooding | 4,654 |
| Glenwood Landing | — | a Census area inside a town; graded with the town | |
| Greenvale | — | 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 Harbor 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 Harbor
Is Roslyn Harbor at risk for natural disasters?
On FEMA’s National Risk Index, Roslyn Harbor 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 (77%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Roslyn Harbor flood?
Flood insurance has paid 17 claims in Roslyn Harbor since 1978, $492K in all, or 53.0 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from December Storm - Nor'easter (2).
Is Roslyn Harbor 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 Harbor?
FEMA’s Community Rating System list shows no discount for Roslyn Harbor’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 Roslyn Harbor?
By FEMA money that reached Roslyn Harbor, Remnants of Hurricane Ida (2021): 2 households applied for aid, $1K approved, and $118K to the Village of Roslyn Harbor for repairs. By flood claims, December Storm - Nor'easter: 2 paid, $31K.
Is Roslyn Harbor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Roslyn Harbor’s rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roslyn Harbor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roslyn Harbor’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.