Saratoga County, New York: hazard risk
FEMA rates Saratoga County's overall risk Relatively Low (score 73.0 of 100, higher than 72% of rated U.S. counties). Its storm record holds 2,007 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Riverine Flooding | Relatively Moderate | 83.3 | $38M |
| Ice Storm | Relatively Moderate | 78.8 | $621K |
| Lightning | Relatively Moderate | 78.5 | $1.1M |
| Tornado | Relatively Moderate | 69.9 | $4.2M |
| Strong Wind | Relatively Moderate | 63.0 | $1.3M |
| Hurricane | Relatively Low | 77.7 | $2.4M |
| Earthquake | Relatively Low | 73.3 | $1.7M |
| Heat Wave | Relatively Low | 59.5 | $941K |
| Cold Wave | Relatively Low | 54.4 | $1.9M |
| Hail | Relatively Low | 47.6 | $398K |
| Winter Weather | Relatively Low | 46.7 | $96K |
| Landslide | Very Low | 59.6 | $4K |
| Wildfire | Very Low | 37.4 | $36K |
| Avalanche | Very Low | 31.3 | $197 |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 767 | 1 | $18M | 10th of 58 | 424th of 3,080 |
| Winter storms | 419 | 0 | $1.5M | 14th of 58 | 350th of 3,077 |
| Hail | 205 | 0 | $736K | 8th of 58 | 1218th of 3,080 |
| High wind and dust storms | 175 | 0 | $1.1M | 16th of 58 | 245th of 3,080 |
| Floods | 148 | 0 | $13M | 14th of 58 | 671st of 3,080 |
| Extreme cold | 127 | 0 | $2.5M | 11th of 58 | 189th of 3,076 |
| Heat | 107 | 0 | – | 10th of 58 | 391st of 3,076 |
| Lightning | 29 | 1 | $901K | 8th of 58 | 197th of 3,080 |
| Tornadoes | 13 | 0 | $109M | 21st of 58 | 2283rd of 3,080 |
| Heavy rain | 7 | 0 | $49K | 9th of 58 | 964th of 3,080 |
| Drought | 4 | 0 | – | 49th of 58 | 2363rd of 3,063 |
| Hurricanes and tropical storms | 2 | 0 | – | 18th of 58 | 989th of 1,849 |
| Wildfires | 2 | 0 | – | 12th of 58 | 1074th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Saratoga County record: every hazard by year and month, the deadliest events and FEMA's declarations.