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SchodackNY BlinkBonniePhoto: User:Magicpiano · CC BY-SA 4.0
B−Hazard risk
Natural hazards in Schodack · FEMA

FEMA expects about as much hazard damage per building in Schodack as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Schodack gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #555 of 758 in New York. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 8 claims here since 1996.

River and rain flooding 91%Hurricanes 4%Tornadoes 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 55%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#555 of 758 in New York
Hazard risk
B−#555 of 758
in New York · higher than 55% of U.S. towns
Main hazard
River and rain flooding
91% of expected building damage
Flood claims
8
paid since 1996 · $89K
Disasters paid out here
7
of 21 declared for Rensselaer County
By hazard

What Schodack 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

91%of expected building damage
Above average · higher than 75% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Earthquakes Ice storms Strong wind 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 Schodack’s grade

River and rain flooding is 91% of the building damage FEMA expects in Schodack, and Schodack’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts.

Where Schodack sits
Schodack
Least damageMiddleMost damage

B− #555 of 758 in New York; higher expected damage per building than 55% of U.S. towns (21,298).

Schodack’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding91%Hurricanes4%Everything else5%

The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Schodack has more expected damage per building than 73% of New York towns.

In dollars, FEMA expects about $4.1M a year in losses across Schodack: $3.4M to buildings, the rest to people and crops.

A small-area figure. Schodack covers 4 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Schodack flood? Rarely: 8 flood claims since 1996

Every paid claim on a federal flood insurance policy in Schodack, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 2 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 4 claims2012: 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: 2 claims199620112026
19962026
Biggest named events
  • Hurricane Irene3 claims · $55K
8
paid claims since 1996
$89K
paid to owners
0
homes flooded more than once
$11K
average claim
of all homes are insured
No community discount

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

Insurance rates: Rensselaer County.
Disasters

7 federal disasters brought FEMA money to Schodack

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

  1. 2017Severe Winter Storm and Snowstorm$55K to the Town of Schodack for repairs
  2. 2011Hurricane Irene$26K to the Town of Schodack for repairs3 flood claims paid for it, $55K
  3. 2010Severe Winter Storm and Snowstorm$45K to the Town of Schodack for repairs
  4. 2008Severe Winter Storm$325K to the Town of Schodack for repairs
  5. 2005Severe Storms and Flooding$17K to the Town of Schodack for repairs
  6. 2002Snowstorms$41K to the Town of Schodack for repairs
Show all 7
  1. 2000Severe Storms and Flooding$21K to the Town of Schodack for repairs
Disasters declared, by decade
Paid out in SchodackRensselaer County only

Rensselaer County has had 21 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.

Were you here?

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

Add to the Schodack archive →
Next door

Schodack and its neighbors

Schodack is 6th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Nassau: hazard risk CNassau: hazard risk CEast Greenbush: hazard risk A−Coeymans: hazard risk B+Nassau Lake: not gradedBethlehem: hazard risk ASand Lake: hazard risk B+Stuyvesant: hazard risk BNassauNassauEast GreenbushCoeymansNassau LakeBethlehemSand LakeStuyvesantSchodack
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
BethlehemAless damage than 92%river and rain flooding19
East GreenbushA−less damage than 79%river and rain flooding6
CoeymansB+less damage than 73%river and rain flooding16
Sand LakeB+less damage than 69%river and rain flooding15
StuyvesantBless damage than 62%river and rain flooding12
SchodackB−more damage than 55%river and rain flooding8
NassauCmore damage than 71%river and rain flooding16
NassauCmore damage than 73%river and rain flooding68
Nassau Lake—830 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 Schodack 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 ↗
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 Schodack

Is Schodack at risk for natural disasters?

On FEMA’s National Risk Index, Schodack has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #555 of 758 in New York. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Schodack flood?

Flood insurance has paid 8 claims in Schodack since 1996, $89K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (3).

Is Schodack 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 Rensselaer County, 1.1% of all homes carry federal flood insurance.

How much is flood insurance in Schodack?

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

By FEMA money that reached Schodack, Severe Winter Storm (2008): $325K to the Town of Schodack for repairs. By flood claims, Hurricane Irene: 3 paid, $55K.

Is Schodack at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (91%), and Schodack’s rate for it is higher than 75% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Schodack.

Town Square →
Start the conversation

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