Natural hazards · Acton

Acton, MA natural hazards

Most of the natural-hazard damage FEMA expects in Acton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 35 claims here since 1978. 12 federal disasters brought FEMA money into town.

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

How exposed is Acton?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Acton to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding67%Hurricanes10%Earthquakes8%Everything else15%
By hazard

What Acton faces

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

Inland flooding

67% of expected damage
Below average · higher than 32% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once every 6 years in the area

Earthquakes

8% of expected damage
Above average · higher than 64% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Acton flood?

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

35paid claims since 1978
$248Kpaid to owners
5homes flooded more than once
19782026

Biggest named events

  • March 2010 Nor'easter: 10 claims, $157K
  • Not a named storm: 4 claims, $5K
  • Hurricane Bob: 1 claim, $346

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Acton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Middlesex County.
Disasters that hit Acton

12 federal disasters brought FEMA money here

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

Brought FEMA money into ActonDeclared for Middlesex County only
2018

Severe Winter Storm and Snowstorm

$86K to the Town of Acton for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$99K to the Town of Acton for repairs
2011

Severe Storm and Snowstorm

$34K to the Town of Acton for repairs
2011

Hurricane Irene

$7K to the Town of Acton for repairs
2011

Severe Winter Storm and Snowstorm

$60K to the Town of Acton for repairs
2010

Severe Storms and Flooding

97 households applied for aid $153K aid approved $17K to the Town of Acton for repairs
2008

Severe Winter Storm and Flooding

$39K to the Town of Acton for repairs
2006

Severe Storms and Flooding

3 households applied for aid $10K aid approved
2005

Record And/Or Near Record Snow

$58K to the Town of Acton for repairs
2004

Flooding

5 households applied for aid $2K aid approved
2003

Snow

$111K to the Town of Acton for repairs
2001

Snow

$47K to the Town of Acton for repairs
Middlesex County has had 28 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Acton

Acton and the towns around it

Littleton: Very low, mostly inland floodingCarlisle: Very low, mostly inland floodingBoxborough: Very low, mostly inland floodingConcord: Very low, mostly inland floodingStow: Low, mostly inland floodingWestford: Very low, mostly inland floodingAyer: Very low, mostly inland floodingGroton: Very low, mostly inland floodingHarvard: Very low, mostly inland floodingBedford: Very low, mostly inland floodingBillerica: Very low, mostly inland floodingChelmsford: Low, mostly inland floodingLincoln: Very low, mostly inland floodingSudbury: Very low, mostly inland floodingHudson: Very low, mostly inland floodingMaynard: Low, mostly inland floodingTyngsborough: Low, mostly inland floodingActon: Very low, mostly inland flooding ActonLittletonCarlisleBoxboroughConcordStowWestford
Very lowLowModerateHighVery high
Stowmostly inland floodingLow
Actonmostly inland floodingVery low
Westfordmostly inland floodingVery low
Concordmostly inland floodingVery low
Littletonmostly inland floodingVery low
Boxboroughmostly inland floodingVery low
Carlislemostly inland floodingVery low
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. Acton covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Acton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Acton. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Acton total about $5.0M a year, counting buildings, people and crops.

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/15 · 2025-01-01