Storms, floods and disasters in Titusville
Titusville isn’t graded for hazard risk: Titusville has 667 residents; we grade towns of 1,000 or more. Flood insurance has paid 8 claims here since 1979.
What Titusville 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.
Does Titusville flood? Rarely: 8 flood claims since 1979
Every paid claim on a federal flood insurance policy in Titusville, from FEMA’s records.
- The April 2007 nor’easter1 claim · $8K
- Hurricane Irene1 claim · $10K
- Hurricane Ida1 claim · $50K
Titusville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dutchess County.The storms Titusville remembers
None of the 20 disasters declared for Dutchess County shows FEMA aid or repair money reaching Titusville itself in FEMA’s records, so these are its biggest flood-claim years.
- 20212 flood claims paidThe year of Remnants of Hurricane Ida, declared for Dutchess County
- 19791 flood claims paidNo declaration for the county that year
- 19801 flood claims paidNo declaration for the county that year
Dutchess County has had 20 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 Titusville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Titusville archive →Titusville and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Red Oaks Mill | — | 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 Titusville 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 Titusville
Does Titusville flood?
Flood insurance has paid 8 claims in Titusville since 1979, $111K in all. The most claims came from April 2007 Nor'easter (1).
Is Titusville 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 Dutchess County, 31% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Titusville?
FEMA’s Community Rating System list shows no discount for Titusville’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 Titusville?
By flood claims, April 2007 Nor'easter: 1 paid, $8K.
Storm stories
Memories, warnings and help from neighbors in Titusville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Titusville’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.