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Downtown Tivoli, NYPhoto: Daniel Case · CC BY-SA 3.0
A−Hazard risk
Natural hazards in Tivoli · FEMA

FEMA puts Tivoli’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Tivoli gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (83%), then hurricanes (10%). Flood insurance has paid 2 claims here since 2011.

River and rain flooding 83%Hurricanes 10%Tornadoes 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

less than 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in New York · lower than 75% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
2
paid since 2011 · $17K
Disasters paid out here
4
of 20 declared for Dutchess County
By hazard

What Tivoli 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

83%of expected building damage
About average · lower than 52% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

10%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once every 17 years in the area
Smaller shares here
 Tornadoes Earthquakes Strong wind Wildfire Ice storms Hail Winter storms Landslides Lightning Coastal flooding Cold waves Heat waves
FEMA models no building damage here
AvalanchesTsunamisVolcanic 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 Tivoli’s grade

River and rain flooding is 83% of the building damage FEMA expects in Tivoli, and Tivoli’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is hurricanes at 10% (higher than 79% of U.S. census tracts).

Where Tivoli sits
Tivoli
Least damageMiddleMost damage

A− lower expected damage per building than 75% of U.S. towns (21,298).

All of Tivoli’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding83%Hurricanes10%Everything else7%

In dollars, FEMA expects about $457K a year in losses across Tivoli: $428K to buildings, the rest to people and crops.

Shared tract.All of Tivoli’s 1,012 residents (2020 census) live in one census tract, which it shares with Bard College CDP (358 residents) and Barrytown CDP (100 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Tivoli flood? Rarely: 2 flood claims since 2011

Every paid claim on a federal flood insurance policy in Tivoli, from FEMA’s records: 3.4 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 2 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2011
20112026
Biggest named events
  • Hurricane Irene2 claims · $17K
2
paid claims since 2011
$17K
paid to owners
0
homes flooded more than once
$8K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Tivoli 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.
Disasters

4 federal disasters brought FEMA money to Tivoli

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

  1. 2017Severe Winter Storm and Snowstorm$10K to the Village of Tivoli for repairs
  2. 2011Hurricane Irene9 households applied for aid$10K aid approved$23K to the Village of Tivoli for repairs2 flood claims paid for it, $17K
  3. 2010Severe Winter Storm and Snowstorm$4K to the Village of Tivoli for repairs
  4. 2003Snow$5K to the Village of Tivoli for repairs
Disasters declared, by decade
Paid out in TivoliDutchess County only

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.

Were you here?

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

Add to the Tivoli archive →
Be ready

Get ready for what Tivoli 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 ↗
Hurricane season
  • 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.
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 Tivoli

Is Tivoli at risk for natural disasters?

On FEMA’s National Risk Index, Tivoli has lower expected damage per building than 75% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (83%) and hurricanes (10%). 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 Tivoli flood?

Flood insurance has paid 2 claims in Tivoli since 2011, $17K in all, or 3.4 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (2).

Is Tivoli 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 Tivoli?

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

By FEMA money that reached Tivoli, Hurricane Irene (2011): 9 households applied for aid, $10K approved, and $23K to the Village of Tivoli for repairs. By flood claims, Hurricane Irene: 2 paid, $17K.

Is Tivoli at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Tivoli’s rate for it is lower than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Tivoli.

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