TownTapestry
Sign inJoin
ConcordGood morning
Natural hazards · Concord

Concord, MA natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 45 claims here since 1979. 13 federal disasters brought FEMA money into town.

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

How exposed is Concord?

17
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 17% of U.S. communities, mostly from inland flooding.

Inland flooding65%Hurricanes11%Earthquakes7%Everything else17%
By hazard

What Concord faces

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

Inland flooding

65% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

11% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once every 6 years in the area

Earthquakes

7% of expected damage
Above average · higher than 60% 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 Concord flood?

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

45paid claims since 1979
$373Kpaid to owners
5homes flooded more than once
19792026

Biggest named events

  • March 2010 Nor'easter: 16 claims, $175K
  • Not a named storm: 6 claims, $30K
  • Hurricane Sandy: 1 claim, $4K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Concord 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 Concord

13 federal disasters brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Middlesex County only
2018

Severe Winter Storm and Snowstorm

$90K to the Town of Concord for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$380K to the Town of Concord for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$101K to the Town of Concord for repairs
2011

Severe Storm and Snowstorm

$27K to the Town of Concord for repairs
2011

Hurricane Irene

$22K to the Town of Concord for repairs
2011

Severe Winter Storm and Snowstorm

$69K to the Town of Concord for repairs
2010

Severe Storms and Flooding

121 households applied for aid $137K aid approved $123K to the Town of Concord for repairs
2008

Severe Winter Storm and Flooding

$9K to the Town of Concord for repairs
2006

Severe Storms and Flooding

1 household applied for aid $429 aid approved $3K to the Town of Concord for repairs
2005

Record And/Or Near Record Snow

$95K to the Town of Concord for repairs
2004

Flooding

2 households applied for aid $2K aid approved
2003

Snow

$117K to the Town of Concord for repairs
2001

Snow

$52K to the Town of Concord for repairs
Middlesex County has had 28 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Concord

Concord and the towns around it

Lincoln: Very low, mostly inland floodingBedford: Very low, mostly inland floodingCarlisle: Very low, mostly inland floodingActon: Very low, mostly inland floodingSudbury: Very low, mostly inland floodingWeston: Very low, mostly inland floodingWaltham: Moderate, mostly inland floodingLexington: Very low, mostly inland floodingWayland: Very low, mostly inland floodingBillerica: Very low, mostly inland floodingBurlington: Very low, mostly inland floodingChelmsford: Low, mostly inland floodingWestford: Very low, mostly inland floodingLittleton: Very low, mostly inland floodingBoxborough: Very low, mostly inland floodingStow: Low, mostly inland floodingMaynard: Low, mostly inland floodingFramingham: Very low, mostly inland floodingHudson: Very low, mostly inland floodingMarlborough: Very low, mostly inland floodingConcord: Very low, mostly inland flooding ConcordLincolnBedfordCarlisleActonSudbury
Very lowLowModerateHighVery high
Actonmostly inland floodingVery low
Concordmostly inland floodingVery low
Bedfordmostly inland floodingVery low
Sudburymostly inland floodingVery low
Carlislemostly inland floodingVery low
Lincolnmostly 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. Concord covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Concord’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Concord. 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 Concord total about $4.9M 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.

The coffee’s on

Where to, neighbor?

You’re in Concord, MAMiddlesex CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Concord is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map