Natural hazards · Fenwick Island

Fenwick Island, DE natural hazards

Most of the natural-hazard damage FEMA expects in Fenwick Island comes from coastal flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 286 claims here since 1984. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Fenwick Island?

92
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fenwick Island to be higher than in 92% of U.S. communities, mostly from coastal flooding and inland flooding.

Coastal flooding65%Inland flooding21%Hurricanes11%Everything else3%
By hazard

What Fenwick Island faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Coastal flooding

65% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

21% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

11% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 5 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Fenwick Island flood?

Every paid claim on a federal flood insurance policy in Fenwick Island, from FEMA’s records.

286paid claims since 1984
$3.1Mpaid to owners
9homes flooded more than once
19842026

Biggest named events

  • Hurricane Sandy: 179 claims, $2.3M
  • Hurricane Gloria: 18 claims, $65K
  • Hurricane Isabel: 2 claims, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 05% off flood insurance. Fenwick Island is in FEMA’s Community Rating System (class 9) for its flood-proofing work.
Insurance rates: Sussex County.

What’s been done with FEMA grants

20homes raised above flood level
Disasters that hit Fenwick Island

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Fenwick Island itself: aid to households, or repair grants to the Town of Fenwick Island.

Brought FEMA money into Fenwick IslandDeclared for Sussex County only
2012

Hurricane Sandy

$54K to the Town of Fenwick Island for repairs
2011

Hurricane Irene

$2K to the Town of Fenwick Island for repairs
2010

Severe Winter Storms and Snowstorms

$2K to the Town of Fenwick Island for repairs
2003

Snow

$2K to the Town of Fenwick Island for repairs
Sussex County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Fenwick Island is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Fenwick Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fenwick Island. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01