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Natural hazards · Beverly

Beverly, MA natural hazards

Most of the natural-hazard damage FEMA expects in Beverly comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 112 claims here since 1978. 13 federal disasters brought FEMA money into town.

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

How exposed is Beverly?

9
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beverly to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding53%Hurricanes14%Earthquakes12%Tornadoes7%Everything else15%
By hazard

What Beverly faces

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

Inland flooding

53% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

14% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 5 years in the area

Earthquakes

12% of expected damage
Above average · higher than 66% of U.S. places

Tornadoes

7% of expected damage
Below average · higher than 39% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Beverly flood?

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

112paid claims since 1978
$2.7Mpaid to owners
20homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 13 claims, $24K
  • The “Halloween” storm: 12 claims, $198K
  • December Storm - Nor'easter: 7 claims, $20K

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. Beverly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.

What’s been done with FEMA grants

1buildings floodproofed
Disasters that hit Beverly

13 federal disasters brought FEMA money here

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

Brought FEMA money into BeverlyDeclared for Essex County only
2018

Severe Winter Storm and Snowstorm

$234K to the City of Beverly for repairs
2018

Severe Winter Storm and Flooding

$161K to the City of Beverly for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$380K to the City of Beverly for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$412K to the City of Beverly for repairs
2011

Hurricane Irene

$13K to the City of Beverly for repairs
2011

Severe Winter Storm and Snowstorm

$202K to the City of Beverly for repairs
2010

Severe Storms and Flooding

104 households applied for aid $99K aid approved $31K to the City of Beverly for repairs
2007

Severe Storms and Inland and Coastal Flooding

$22K to the City of Beverly for repairs
2006

Severe Storms and Flooding

332 households applied for aid $521K aid approved $330K to the City of Beverly for repairs
2005

Record And/Or Near Record Snow

$249K to the City of Beverly for repairs
2004

Flooding

87 households applied for aid $183K aid approved
2003

Snow

$260K to the City of Beverly for repairs
2001

Snow

$128K to the City of Beverly for repairs
Essex County has had 34 natural disasters declared since 1953, most often severe storms and floods.
Around Beverly

Beverly and the towns around it

Salem: Low, mostly inland floodingManchester-by-the-Sea: Very low, mostly inland floodingDanvers: Very low, mostly inland floodingWenham: Very low, mostly inland floodingMarblehead: Very low, mostly inland floodingPeabody: Low, mostly inland floodingSwampscott: Very low, mostly inland floodingGloucester: Low, mostly coastal floodingEssex: High, mostly coastal floodingHamilton: Very low, mostly inland floodingMiddleton: Low, mostly inland floodingTopsfield: Very low, mostly inland floodingBeverly: Very low, mostly inland flooding BeverlySalemManchester-by-the-SeaDanversWenham
Very lowLowModerateHighVery high
Salemmostly inland floodingLow
Manchester-by-the-Seamostly inland floodingVery low
Danversmostly inland floodingVery low
Beverlymostly inland floodingVery low
Wenhammostly 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. Beverly covers 10 census tracts, combined by population.
Money that reached townFlood claims are matched to Beverly’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Beverly. 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 Beverly total about $6.9M 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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