HazardFacts

All states › New York › Rockland County

Natural hazard risk in Rockland County, New York

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively Moderate (score 88.4 of 100)[5]

Expected annual loss (FEMA)
$60.5 million[1]
Federal disaster declarations since 1965
26[2]
NFIP flood claims paid, 1978 to 2026
$45.4 million[3]
Tornadoes recorded, 1950 to 2024
2[4]

FEMA's National Risk Index (version 1.20, December 2025) gives Rockland County an overall Risk Index rating of Relatively Moderate, with a score of 88.4 out of 100[5]. The hazards with the highest FEMA scores in this county are strong wind, winter weather and inland flooding[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA rates Rockland County Relatively Moderate overall, with a score of 88.4 compared with all US counties[5]. FEMA lists $60.5 million in Expected Annual Loss from all 18 natural hazards[1]. That is FEMA's estimate of average yearly loss, not money anyone paid[7]. The largest hazard-type values are inland flooding at $38.0 million a year, then cold wave at $4.5 million a year, then earthquake at $3.5 million a year[8]. FEMA rates social vulnerability Relatively High, which is how susceptible social groups are to harm from natural hazards[9]. FEMA rates community resilience Relatively High, which is a community's ability to prepare for, withstand and recover from hazards[10].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
Strong WindRelatively High$3.2 million[11]
Winter WeatherRelatively High$537,000[12]
Inland FloodingRelatively Moderate$38.0 million[13]
LightningRelatively High$1.1 million[14]
Heat WaveRelatively Moderate$2.6 million[15]
EarthquakeRelatively Low$3.5 million[16]
Cold WaveRelatively Moderate$4.5 million[17]
HurricaneRelatively Moderate$3.4 million[18]
Ice StormRelatively Moderate$286,000[19]
TornadoRelatively Moderate$2.8 million[20]
Coastal FloodingRelatively Moderate$597,000[21]
LandslideVery Low$2,415[22]
AvalancheVery Low$138[23]
DroughtVery Low$4,969[24]
HailVery Low$41,000[25]
WildfireVery Low$4,024[26]

Rated Not Applicable by FEMA for this county: volcanic activity[27].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively High68.2[9]
Community resilienceRelatively High69.0[10]

Flooding and flood insurance

FEMA rates inland flooding risk Relatively Moderate for Rockland County, with a score of 91.7[13]. FEMA rates coastal flooding Relatively Moderate, with a score of 64.6[21]. NFIP Residential Penetration Rates from OpenFEMA, as of 2026-08-03, show 395 contracts for 793 residential structures inside the mapped SFHA, so 49.8% of homes inside the SFHA are insured[28]. OpenFEMA's claims data lists 3,480 NFIP claims for losses from 1978 to 2026, and NFIP paid $45.4 million in total[3]. To learn the flood zone of an address, use FEMA's Flood Map Service Center[29].

Measure Value
Inland Flooding, FEMA risk rating[13] Relatively Moderate, $38.0 million expected loss a year
Coastal Flooding, FEMA risk rating[21] Relatively Moderate, $597,000 expected loss a year
NFIP residential flood policies in force (2026)[28] 990 of 78,752 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[28] 793, of which 395 insured
NFIP flood claims, 1978 to 2026[3] 3,480 filed, $45.4 million paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[29]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 26 federal disaster declarations for natural hazards that include Rockland County since 1965[2]. The most recent is DR-4723-NY, Severe Storms And Flooding, declared 2023-07-22[30]. NOAA's tornado database records 2 tornadoes in the county from 1950 to 2024, and the strongest were rated EF1[4].

Federal disaster declarations for natural hazards that include Rockland County, since 1965
Incident type Declarations
Hurricane[2] 11
Flood[2] 5
Severe Storm[2] 5
Snowstorm[2] 3
Fire[2] 1
Drought[2] 1
Most recent declarations
Declaration Incident Declared
DR-4723-NY[30] Severe Storms And Flooding 2023-07-22
DR-4615-NY[30] Remnants Of Hurricane Ida 2021-09-05
EM-3572-NY[30] Remnants Of Hurricane Ida 2021-09-02
EM-3565-NY[30] Hurricane Henri 2021-08-22
DR-4567-NY[30] Tropical Storm Isaias 2020-10-02

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Winter storms and cold

Before

  • Insulate your home and learn how to keep pipes from freezing.
  • Install and test smoke and carbon monoxide detectors with battery backup.
  • Keep several days of supplies in case the power goes out, including medication and pet needs.
  • Put an emergency kit in your car with jumper cables, sand, blankets, water and snacks, and keep the tank full.

During

  • Under a winter storm warning, find shelter right away.
  • Stay off the roads if you can. If you are stuck in your car, stay inside it.
  • Run generators and grills only outdoors, away from windows, and never heat your home with an oven or stove.

Source: Ready.gov, winter storms and cold

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Extreme heat

Before

  • Learn the signs of heat illness and how to respond.
  • Do not rely on a fan as your main way to stay cool. Fans do not lower body temperature.
  • Find cool public places, such as libraries or malls, or ask your local health department.
  • Keep heat out with window shades, weather stripping and insulation.
  • If you cannot afford cooling costs, contact LIHEAP for help.

During

  • Never leave a person or an animal in a parked car in warm weather.
  • If your home has no air conditioning, go to a cooling center.
  • Wear light, loose clothing, drink plenty of fluids and avoid hard outdoor work in the middle of the day.

Source: Ready.gov, extreme heat

Questions people ask

Is Rockland County at risk of flooding?
FEMA rates inland flooding risk Relatively Moderate compared with other US counties, and it lists $38.0 million a year in Expected Annual Loss from inland flooding[13]. OpenFEMA lists 3,480 NFIP flood claims for losses from 1978 to 2026[3].
Does Rockland County get tornadoes?
NOAA's tornado database records 2 tornadoes in Rockland County from 1950 to 2024, and the strongest were rated EF1[4]. FEMA rates tornado risk Relatively Moderate compared with other US counties[20].
Is Rockland County at risk of earthquakes?
FEMA rates earthquake risk Relatively Low compared with other US counties[16]. FEMA lists $3.5 million a year in Expected Annual Loss from earthquakes[16].
How many disasters have been declared in Rockland County?
OpenFEMA lists 26 federal disaster declarations for natural hazards that include Rockland County since 1965[2]. The most recent is DR-4723-NY, declared 2023-07-22[30].
How can I check the flood zone of an address in Rockland County?
FEMA's Flood Map Service Center is the official public source for flood maps, and you can look up an address there[29]. County-level ratings do not tell you the flood zone of a single address[29].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Rockland County is $60.5 million a year (Expected Annual Loss rating Relatively Moderate, score 86.3). Of this, buildings account for $45.2 million, injuries and deaths (converted to dollars by FEMA) for... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 26 federal disaster declarations for natural hazards that include Rockland County since 1965 (18 major disaster, 8 emergency or fire management). By incident type: hurricane 11, flood 5, severe storm 5, snowstorm 3, fire 1, drought 1. Biological (such as COVID-19) and... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 3,480 National Flood Insurance Program claims were filed for losses in Rockland County, 2,654 of them with a payment, and NFIP paid $45.4 million in total (building, contents and increased cost of compliance, in dollars of the year... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 2 recorded tornadoes touched Rockland County. The strongest were rated EF1 (most recent of them on 2018-10-02). 0 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2018-10-02. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Rockland County is Relatively Moderate, with a Risk Index score of 88.4 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Rockland County are strong wind (97.0, Relatively High), winter weather (94.8, Relatively High), inland flooding (91.7, Relatively Moderate). HazardFacts sorted FEMA's... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Rockland County (National Risk Index v1.20): the largest are inland flooding ($38.0 million a year), cold wave ($4.5 million a year), earthquake ($3.5 million a year), out of $60.5 million a year from all 18 hazards. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Rockland County is Relatively High (score 68.2). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Rockland County is Relatively High (score 69.0). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), strong wind in Rockland County: Risk Index rating Relatively High (score 97.0 of 100). Expected Annual Loss $3.2 million a year (rating Relatively High). Annualized frequency 5.06 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), winter weather in Rockland County: Risk Index rating Relatively High (score 94.8 of 100). Expected Annual Loss $537,000 a year (rating Relatively High). Annualized frequency 13.08 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Rockland County: Risk Index rating Relatively Moderate (score 91.7 of 100). Expected Annual Loss $38.0 million a year (rating Relatively Moderate). Annualized frequency 2.93 event-days per year, from recorded occurrences over a period of... FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), lightning in Rockland County: Risk Index rating Relatively High (score 91.6 of 100). Expected Annual Loss $1.1 million a year (rating Relatively High). Annualized frequency 29.67 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), heat wave in Rockland County: Risk Index rating Relatively Moderate (score 90.3 of 100). Expected Annual Loss $2.6 million a year (rating Relatively Moderate). Annualized frequency 6.18 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), earthquake in Rockland County: Risk Index rating Relatively Low (score 88.7 of 100). Expected Annual Loss $3.5 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.0017 events per year. FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), cold wave in Rockland County: Risk Index rating Relatively Moderate (score 86.6 of 100). Expected Annual Loss $4.5 million a year (rating Relatively High). Annualized frequency 1.05 event-days per year, from recorded occurrences over a period of record of 18... FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), hurricane in Rockland County: Risk Index rating Relatively Moderate (score 85.6 of 100). Expected Annual Loss $3.4 million a year (rating Relatively Moderate). Annualized frequency 0.11 events per year, from recorded occurrences over a period of record of 172... FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), ice storm in Rockland County: Risk Index rating Relatively Moderate (score 78.0 of 100). Expected Annual Loss $286,000 a year (rating Relatively Moderate). Annualized frequency 1.09 event-days per year, from recorded occurrences over a period of record of 68... FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), tornado in Rockland County: Risk Index rating Relatively Moderate (score 77.5 of 100). Expected Annual Loss $2.8 million a year (rating Relatively Moderate). Annualized frequency 0.06 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Rockland County: Risk Index rating Relatively Moderate (score 64.6 of 100). Expected Annual Loss $597,000 a year (rating Relatively Moderate). FEMA's modeled annual frequency is 3.7191 events per year. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), landslide in Rockland County: Risk Index rating Very Low (score 61.4 of 100). Expected Annual Loss $2,415 a year (rating Very Low). FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), avalanche in Rockland County: Risk Index rating Very Low (score 35.8 of 100). Expected Annual Loss $138 a year (rating Very Low). Annualized frequency 0.01 events per year, from recorded occurrences over a period of record of 28 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), drought in Rockland County: Risk Index rating Very Low (score 21.7 of 100). Expected Annual Loss $4,969 a year (rating Very Low). Annualized frequency 0.79 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025), hail in Rockland County: Risk Index rating Very Low (score 14.9 of 100). Expected Annual Loss $41,000 a year (rating Very Low). Annualized frequency 2.34 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  26. FEMA National Risk Index (version 1.20, December 2025), wildfire in Rockland County: Risk Index rating Very Low (score 14.6 of 100). Expected Annual Loss $4,024 a year (rating Very Low). FEMA's modeled annual frequency is 0.0001 events per year. FEMA National Risk Index
  27. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Rockland County: volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  28. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 990 residential flood insurance contracts were in force in Rockland County, out of 78,752 residential structures, a penetration rate of 1.3%. Inside FEMA's mapped Special Flood Hazard Area there were 793 residential structures and 395 contracts, a... OpenFEMA NFIP penetration rates
  29. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  30. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.