Photo: Michele Schaffer · CC BY 2.0Less hazard damage per building is expected in Stony Point than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stony Point gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #428 of 758 in New York. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 77 claims here since 1979.
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 stands out about Stony Point’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Stony 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
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 Stony Point’s grade
River and rain flooding is 84% of the building damage FEMA expects in Stony Point, and Stony Point’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 4% of U.S. census tracts.
B #428 of 758 in New York; lower expected damage per building than 62% of U.S. towns (21,298).
Stony Point’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Stony Point has more expected damage per building than 56% of New York towns.
In dollars, FEMA expects about $3.7M a year in losses across Stony Point: $3.0M to buildings, the rest to people and crops.
Does Stony Point flood? Sometimes: 77 flood claims since 1979
Every paid claim on a federal flood insurance policy in Stony Point, from FEMA’s records: 14.4 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Sandy28 claims · $2.6M
- Hurricane Irene10 claims · $215K
Stony 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: Rockland County.10 federal disasters brought FEMA money to Stony Point
Disasters that paid out in Stony Point itself (aid to households or repair grants to the Town of Stony Point), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$556K to the Town of Stony Point for repairs5 flood claims paid that year
- 2021Remnants of Hurricane Ida55 households applied for aid$170K aid approved
- 2020Tropical Storm Isaias$47K to the Town of Stony Point for repairs
- 2012Hurricane Sandy274 households applied for aid$1.4M aid approved$1.1M to the Town of Stony Point for repairs28 flood claims paid for it, $2.6M
- 2011Hurricane Irene113 households applied for aid$291K aid approved$654K to the Town of Stony Point for repairs10 flood claims paid for it, $215K
- 2010Severe Winter Storm and Snowstorm$51K to the Town of Stony Point for repairs
Show all 10
- 2010Severe Storms and Flooding$84K to the Town of Stony Point for repairs
- 2007Severe Storms and Inland and Coastal Flooding26 households applied for aid$11K aid approved1 flood claim paid that year
- 2003Snow$37K to the Town of Stony Point for repairs1 flood claim paid that year
- 1999Hurricane Floyd Major Disaster Declarations$520K to the Town of Stony Point for repairs4 flood claims paid for it, $62K
Rockland County has had 21 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 Stony Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony Point archive →Stony Point and its neighbors
Stony Point is 4th of the 7 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 |
|---|---|---|---|
| Buchanan | A+less damage than 95% | river and rain flooding | — |
| Cortlandt | A−less damage than 84% | river and rain flooding | 74 |
| Peekskill | A−less damage than 83% | river and rain flooding | 32 |
| Stony Point | Bless damage than 62% | river and rain flooding | 77 |
| Philipstown | Bless damage than 58% | river and rain flooding | 41 |
| Haverstraw | B−more damage than 53% | river and rain flooding | 35 |
| Highlands | B−more damage than 54% | river and rain flooding | 1 |
| Verplanck | — | 650 residents; we grade 1,000+ | |
| Montrose | — | a Census area inside a town; graded with the town | |
| Thiells | — | 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 Stony 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.
- 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 Stony Point
Is Stony Point at risk for natural disasters?
On FEMA’s National Risk Index, Stony Point has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #428 of 758 in New York. Most of the expected damage is river and rain flooding (84%) and hurricanes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stony Point flood?
Flood insurance has paid 77 claims in Stony Point since 1979, $3.3M in all, or 14.4 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Sandy (28).
Is Stony 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 Rockland County, 50% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Stony Point?
FEMA’s Community Rating System list shows no discount for Stony 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 Stony Point?
By FEMA money that reached Stony Point, Hurricane Sandy (2012): 274 households applied for aid, $1.4M approved, and $1.1M to the Town of Stony Point for repairs. By flood claims, Hurricane Sandy: 28 paid, $2.6M.
Is Stony Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Stony Point’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stony Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony 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.