Property Atlas

County hazard profile

Hampden, MA

Massachusetts · pop. 465,327 · FIPS 25013

Relatively Moderate
FEMA risk rating · RATING
Riverine Flooding
dominant hazard
$107M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (33rd percentile)

national median $15M/yr Hampden $107M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 92.78/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 64.47/100
national median ~50 near the national middle (64th percentile)
Community resilienceRelatively High 73.22/100
national median ~50 near the national middle (73rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hampden

The National Flood Insurance Program has paid 279 flood-insurance claims totaling $2.7M in Hampden since 1978. The costliest year was 2011 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1978: $10,089 paid 1979: $30,491 paid 1980: $29,503 paid 1981: $0 paid 1982: $17,787 paid 1983: $1,631 paid 1984: $120,121 paid 1985: $16,500 paid 1987: $1,186 paid 1988: $0 paid 1989: $0 paid 1990: $300 paid 1991: $17,000 paid 1992: $462 paid 1993: $0 paid 1995: $0 paid 1996: $0 paid 1998: $6,573 paid 1999: $94,949 paid 2000: $0 paid 2001: $2,187 paid 2002: $0 paid 2003: $10,574 paid 2004: $4,173 paid 2005: $788,696 paid 2006: $0 paid 2007: $99,550 paid 2008: $98,280 paid 2009: $1,944 paid 2011: $1,015,498 paid 2012: $0 paid 2013: $0 paid 2014: $590 paid 2015: $18,408 paid 2016: $1,096 paid 2017: $13,274 paid 2018: $0 paid 2019: $0 paid 2020: $19,822 paid 2021: $28,237 paid 2023: $270,325 paid 2024: $0 paid 2026: $1,272 paid 2011 · $1.0M 1978 2026
$2.7M
total paid
$9,751
average claim
$600K
largest single claim
56%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hampden, MA and where it ranks among U.S. counties. It is not a verdict on whether Hampden is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.