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Downtown Schuylerville New YorkPhoto: Kenneth C. Zirkel · CC BY-SA 4.0
C+Hazard risk
Natural hazards in Schuylerville · FEMA

On FEMA’s figures, Schuylerville faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Schuylerville gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 9 claims here since 2011.

River and rain flooding 90%Earthquakes 3%Hurricanes 3%

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 57%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 57% of U.S. towns
Main hazard
River and rain flooding
90% of expected building damage
Flood claims
9
paid since 2011 · $52K
Disasters paid out here
6
of 13 declared for Saratoga County
By hazard

What Schuylerville 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

90%of expected building damage
Above average · higher than 76% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Earthquakes Hurricanes Tornadoes 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 Schuylerville’s grade

River and rain flooding is 90% of the building damage FEMA expects in Schuylerville, and Schuylerville’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.

Where Schuylerville sits
Schuylerville
Least damageMiddleMost damage

C+ higher expected damage per building than 57% of U.S. towns (21,298).

Schuylerville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding90%Earthquakes3%Hurricanes3%Everything else3%

In dollars, FEMA expects about $436K a year in losses across Schuylerville: $373K to buildings, the rest to people and crops.

A small-area figure. Schuylerville covers 2 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 Schuylerville flood? Rarely: 9 flood claims since 2011

Every paid claim on a federal flood insurance policy in Schuylerville, from FEMA’s records: 13.7 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 8 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 1 claim2024: 0 claims2025: 0 claims2026: 0 claims20112023
20112026
Biggest named events
  • Hurricane Irene1 claim · $689
  • The December nor’easter1 claim · $5K
9
paid claims since 2011
$52K
paid to owners
0
homes flooded more than once
$6K
average claim
of all homes are insured
No community discount

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

Insurance rates: Saratoga County.
Disasters

6 federal disasters brought FEMA money to Schuylerville

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

  1. 2017Severe Winter Storm and Snowstorm$7K to the Village of Schuylerville for repairs
  2. 2011Hurricane Irene4 households applied for aid$6K aid approved1 flood claim paid for it, $689
  3. 2008Severe Winter Storm$82K to the Village of Schuylerville for repairs
  4. 2008Severe Winter Storm$15K to the Village of Schuylerville for repairs
  5. 2004Severe Storms and Flooding$24K to the Village of Schuylerville for repairs
  6. 2002Snowstorms$3K to the Village of Schuylerville for repairs
Disasters declared, by decade
Paid out in SchuylervilleSaratoga County only

Saratoga County has had 13 natural disasters declared by the President since 1953, most often winter 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.

Were you here?

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

Add to the Schuylerville archive →
Next door

Schuylerville and its neighbors

Schuylerville is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Saratoga: hazard risk CEaston: hazard risk B+Victory: not gradedSaratogaEastonVictorySchuylerville
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
EastonB+less damage than 74%river and rain flooding1
SchuylervilleC+more damage than 57%river and rain flooding9
SaratogaCmore damage than 66%river and rain flooding25
Victory—754 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 Schuylerville 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 Schuylerville

Is Schuylerville at risk for natural disasters?

On FEMA’s National Risk Index, Schuylerville has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Schuylerville flood?

Flood insurance has paid 9 claims in Schuylerville since 2011, $52K in all, or 13.7 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).

Is Schuylerville 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 Saratoga County, 0.6% of all homes carry federal flood insurance.

How much is flood insurance in Schuylerville?

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

By FEMA money that reached Schuylerville, Severe Winter Storm (2008): $82K to the Village of Schuylerville for repairs. By flood claims, Hurricane Irene: 1 paid, $689.

Is Schuylerville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (90%), and Schuylerville’s rate for it is higher than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Schuylerville.

Town Square →
Start the conversation

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