FEMA expects less hazard damage per building in Thomaston than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Thomaston gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #109 of 758 in New York. Most of that expected damage is river and rain flooding (77%), then hurricanes (12%). Flood insurance has paid 10 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 Thomaston 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
Earthquakes
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 Thomaston’s grade
River and rain flooding is 77% of the building damage FEMA expects in Thomaston, and Thomaston’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Next is hurricanes at 12% (higher than 77% of U.S. census tracts).
A #109 of 758 in New York; lower expected damage per building than 94% of U.S. towns (21,298).
All of Thomaston’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Thomaston has less expected damage per building than 86% of New York towns.
In dollars, FEMA expects about $515K a year in losses across Thomaston: $450K to buildings, the rest to people and crops.
Does Thomaston flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Thomaston, from FEMA’s records: 10.0 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene2 claims · $13K
- Hurricane Ida2 claims · $84K
Thomaston 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.2 federal disasters brought FEMA money to Thomaston
Disasters that paid out in Thomaston itself (aid to households or repair grants to the Village of Thomaston), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$60K to the Village of Thomaston for repairs
- 2012Hurricane Sandy$302K to the Village of Thomaston 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 Thomaston after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Thomaston archive →Thomaston and its neighbors
Thomaston is 2nd of the 3 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 |
|---|---|---|---|
| Kensington | Aless damage than 94% | river and rain flooding | 4 |
| Thomaston | Aless damage than 94% | river and rain flooding | 10 |
| Great Neck Plaza | Aless damage than 86% | river and rain flooding | 6 |
| Manhasset | — | a Census area inside a town; graded with the town | |
| Russell Gardens | — | not graded yet | |
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 Thomaston 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Thomaston
Is Thomaston at risk for natural disasters?
On FEMA’s National Risk Index, Thomaston has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #109 of 758 in New York. Most of the expected damage is river and rain flooding (77%) and hurricanes (12%). 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 Thomaston flood?
Flood insurance has paid 10 claims in Thomaston since 1979, $107K in all, or 10.0 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (2).
Is Thomaston 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 Thomaston?
FEMA’s Community Rating System list shows no discount for Thomaston’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 Thomaston?
By FEMA money that reached Thomaston, Hurricane Sandy (2012): $302K to the Village of Thomaston for repairs. By flood claims, Hurricane Irene: 2 paid, $13K.
Is Thomaston at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Thomaston’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Thomaston.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Thomaston’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.