Suffolk County Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Suffolk, NY are Inland Flooding, Hurricane, and Coastal Flooding.

City Risk Scorecard

Physical Resilience94/100

Based on FEMA EAL and hazard intensity.

Primary Regional Threats

Inland Flooding

$193,341,419

County-wide Expected Annual Loss

98.3Score

Hurricane

$42,720,766

County-wide Expected Annual Loss

96.8Score

Coastal Flooding

$25,320,023

County-wide Expected Annual Loss

98.6Score

Geospatial Analysis

Use the interactive map below to visualize the climate risks in Suffolk County. By toggling the hazard layers, you can overlay FEMA-defined flood zones and Natural Risks Index for 18 hazards. This spatial view allows you to identify which areas fall within the 100 and 500-year floodplains and assess how Inland Flooding risks vary across the county.

Pro Tip

Hover over specific census tracts to see how structural risk scores fluctuate accross the county.

City Reports

Northwest Harbor Greenport West Greenport Westhampton Beach Amityville Southampton Shirley Mastic Beach Wyandanch Bellport Westhampton North Amityville Huntington Bay Islip Selden Northville Halesite Lindenhurst Remsenburg-Speonk Water Mill Sag Harbor Terryville Wading River Eastport West Hills Riverside Melville Deer Park Poquott Stony Brook University Fishers Island East Quogue St. James Dix Hills Patchogue Lake Ronkonkoma Blue Point North Great River North Babylon Amagansett Ronkonkoma Holtsville Shoreham Baiting Hollow Jamesport Centereach Port Jefferson Peconic South Huntington Calverton North Lindenhurst East Setauket Nesconset Kings Park Mount Sinai West Bay Shore East Hampton Shelter Island Brookhaven Quogue Yaphank Belle Terre East Shoreham Centerport Commack Farmingville West Islip Medford Northampton Moriches North Patchogue Setauket Bohemia Miller Place Great River East Islip Islandia East Hampton North Huntington Station West Sayville Baywood Hauppauge Rocky Point Head of the Harbor Fort Salonga Port Jefferson Station Greenlawn Noyack Tuckahoe Sound Beach Eatons Neck Huntington Riverhead Cold Spring Harbor Copiague Flanders Nissequogue Quiogue East Northport North Bay Shore Sagaponack East Moriches Elwood East Patchogue Coram Brentwood Middle Island Napeague Holbrook Asharoken North Haven East Farmingdale Gilgo Lloyd Harbor Oakdale Gordon Heights Ridge Bayport Babylon Wainscott Stony Brook North Sea Bridgehampton Brightwaters North Bellport Northport Manorville Islip Terrace Sayville Hampton Bays Aquebogue Old Field Springs Mastic Shinnecock Hills Smithtown Wheatley Heights Mattituck Lake Grove Cutchogue West Babylon Village of the Branch Shelter Island Heights Center Moriches Central Islip Southold Montauk Bay Shore

Active ZIP Code Analysis

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.