Photo: Mwanner · CC BY-SA 3.0On FEMA’s figures, Ticonderoga faces more hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ticonderoga gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #627 of 758 in New York. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 4 claims here since 2005.
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 Ticonderoga 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
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 Ticonderoga’s grade
River and rain flooding is 90% of the building damage FEMA expects in Ticonderoga, and Ticonderoga’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts.
C #627 of 758 in New York; higher expected damage per building than 67% of U.S. towns (21,298).
Ticonderoga’s residents live in 2 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, Ticonderoga has more expected damage per building than 83% of New York towns.
In dollars, FEMA expects about $3.0M a year in losses across Ticonderoga: $1.8M to buildings, the rest to people and crops.
Does Ticonderoga flood? Rarely: 4 flood claims since 2005
Every paid claim on a federal flood insurance policy in Ticonderoga, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $32K
Ticonderoga isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.5 federal disasters brought FEMA money to Ticonderoga
Disasters that paid out in Ticonderoga itself (aid to households or repair grants to the Town of Ticonderoga), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$28K to the Town of Ticonderoga for repairs
- 2017Severe Winter Storm and Snowstorm$10K to the Town of Ticonderoga for repairs
- 2011Hurricane Irene23 households applied for aid$40K aid approved$2.3M to the Town of Ticonderoga for repairs1 flood claim paid for it, $32K
- 2007Severe Storms and Inland and Coastal Flooding$14K to the Town of Ticonderoga for repairs
- 1999Hurricane Floyd Major Disaster Declarations$3K to the Town of Ticonderoga for repairs
Essex County has had 19 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.
Old photos of Ticonderoga after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ticonderoga archive →Ticonderoga and its neighbors
Ticonderoga is 4th of the 5 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 |
|---|---|---|---|
| Shoreham | Aless damage than 90% | river and rain flooding | 1 |
| Orwell | Aless damage than 90% | river and rain flooding | — |
| Schroon | Bless damage than 62% | river and rain flooding | 22 |
| Ticonderoga | Cmore damage than 67% | river and rain flooding | 4 |
| Crown Point | Dmore damage than 86% | river and rain flooding | 3 |
| Putnam | — | 540 residents; we grade 1,000+ | |
| Hague | — | 703 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.
Get ready for what Ticonderoga 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.
- 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 Ticonderoga
Is Ticonderoga at risk for natural disasters?
On FEMA’s National Risk Index, Ticonderoga has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #627 of 758 in New York. 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 Ticonderoga flood?
Flood insurance has paid 4 claims in Ticonderoga since 2005, $51K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is Ticonderoga 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 Essex County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Ticonderoga?
FEMA’s Community Rating System list shows no discount for Ticonderoga’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 Ticonderoga?
By FEMA money that reached Ticonderoga, Hurricane Irene (2011): 23 households applied for aid, $40K approved, and $2.3M to the Town of Ticonderoga for repairs. By flood claims, Hurricane Irene: 1 paid, $32K.
Is Ticonderoga at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Ticonderoga’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ticonderoga.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ticonderoga’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.