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Rouses Point, New York, United StatesPhoto: Hayden Soloviev · CC BY 4.0
CHazard risk
Natural hazards in Rouses Point · FEMA

More hazard damage per building is expected in Rouses Point than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rouses Point gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 1 claim here since 2011.

River and rain flooding 89%Earthquakes 6%Ice storms 2%

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

more than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in New York · higher than 70% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
1
paid since 2011 · $19K
Disasters paid out here
3
of 13 declared for Clinton County
By hazard

What Rouses Point 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

89%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

6%of expected building damage
Above average · higher than 74% of U.S. census tracts
Smaller shares here
 Ice storms Hurricanes Strong wind Tornadoes 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.
Hazard risk grade

What’s behind Rouses Point’s grade

River and rain flooding is 89% of the building damage FEMA expects in Rouses Point, and Rouses Point’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 2%, at a rate in the top 6% of U.S. census tracts.

Where Rouses Point sits
Rouses Point
Least damageMiddleMost damage

C higher expected damage per building than 70% of U.S. towns (21,298).

All of Rouses Point’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Earthquakes6%Everything else4%

In dollars, FEMA expects about $848K a year in losses across Rouses Point: $756K to buildings, the rest to people and crops.

Shared tract.All of Rouses Point’s 2,195 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Rouses Point flood? Rarely: 1 flood claim since 2011

Every paid claim on a federal flood insurance policy in Rouses Point, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2011
20112026
1
paid claims since 2011
$19K
paid to owners
0
homes flooded more than once
$19K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Clinton County.
Disasters

3 federal disasters brought FEMA money to Rouses Point

Disasters that paid out in Rouses Point itself (aid to households or repair grants to the Village of Rouses Point), newest first, with that year’s flood claims.

  1. 2017Severe Winter Storm and Snowstorm$9K to the Village of Rouses Point for repairs
  2. 2011Hurricane Irene7 households applied for aid$10K aid approved
  3. 2011Severe Storms, Flooding, Tornadoes, and Straight-line Winds$78K to the Village of Rouses Point for repairs
Disasters declared, by decade
Paid out in Rouses PointClinton County only

Clinton County has had 13 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Rouses Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Rouses Point archive →
Next door

Rouses Point and its neighbors

Rouses Point is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Champlain: hazard risk CAlburgh: hazard risk CChamplainAlburghRouses Point
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
AlburghCmore damage than 66%river and rain flooding6
ChamplainCmore damage than 68%river and rain flooding29
Rouses PointCmore damage than 70%river and rain flooding1

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 Rouses Point 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Rouses Point

Is Rouses Point at risk for natural disasters?

On FEMA’s National Risk Index, Rouses Point has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (89%) and earthquakes (6%). 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 Rouses Point flood?

Flood insurance has paid 1 claim in Rouses Point since 2011, $19K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.

Is Rouses Point 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 Clinton County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Rouses Point?

FEMA’s Community Rating System list shows no discount for Rouses Point’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 Rouses Point?

By FEMA money that reached Rouses Point, Severe Storms, Flooding, Tornadoes, and Straight-line Winds (2011): $78K to the Village of Rouses Point for repairs.

Is Rouses Point at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Rouses Point’s rate for it is higher than 84% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rouses Point.

Town Square →
Start the conversation

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