Saratoga County
New York — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 73th
Saratoga County faces low composite natural disaster risk (NRI Risk Index score 73.0, 73th national percentile), driven primarily by riverine flood and ice storm exposure. Expected annual loss across all 18 hazard types is $53M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Riverine Flood | Medium | 2.93 / yr | $38M |
| Ice Storm | Medium | 0.56 / yr | $621K |
| Lightning | Medium | 24.99 / yr | $1M |
| Hurricane | Low | 0.04 / yr | $2M |
| Earthquake | Low | 0.00 / yr | $2M |
| Tornado | Medium | 0.14 / yr | $4M |
| Strong Wind | Medium | 1.23 / yr | $1M |
| Landslide | Very Low | 0.61 / yr | $4K |
| Heat Wave | Low | 3.90 / yr | $941K |
| Cold Wave | Low | 2.66 / yr | $2M |
| Hail | Low | 2.31 / yr | $398K |
| Winter Weather | Low | 17.99 / yr | $96K |
| Wildfire | Very Low | 0.00 / yr | $36K |
| Avalanche | Very Low | 0.01 / yr | $197 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Saratoga County?
Saratoga County has a composite FEMA National Risk Index score of 73.0 out of 100, placing it in the Low category and the 73th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Saratoga County?
The three highest-rated hazards are Riverine Flood (Medium, $38M EAL), Ice Storm (Medium, $621K EAL), Lightning (Medium, $1M EAL). These account for most of the county's expected annual losses.
How does Saratoga County compare to other New York counties?
Saratoga County ranks #29 of 62 New York counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Saratoga County's $53M EAL is a statistical average, not a guarantee for any specific year or address.