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Natural hazards · Cummington

Cummington, MA natural hazards

Most of the natural-hazard damage FEMA expects in Cummington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2005. 10 federal disasters brought FEMA money into town.

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

How exposed is Cummington?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cummington to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes9%Everything else14%
By hazard

What Cummington faces

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

Inland flooding

77% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

9% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Cummington flood?

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

2paid claims since 2005
$20Kpaid to owners
1homes flooded more than once
20052026

Biggest named events

  • Hurricane Irene: 1 claim, $14K

Homes that flooded again and again

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

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

10 federal disasters brought FEMA money here

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

Brought FEMA money into CummingtonDeclared for Hampshire County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$8K to the Town of Cummington for repairs
2011

Severe Storm and Snowstorm

$5K to the Town of Cummington for repairs
2011

Tropical Storm Irene

$83K to the Town of Cummington for repairs
2011

Severe Winter Storm and Snowstorm

$5K to the Town of Cummington for repairs
2008

Severe Winter Storm and Flooding

$159K to the Town of Cummington for repairs
2007

Severe Storms and Inland and Coastal Flooding

$94K to the Town of Cummington for repairs
2005

Severe Storms and Flooding

4 households applied for aid $2K aid approved $9K to the Town of Cummington for repairs
2005

Record And/Or Near Record Snow

$7K to the Town of Cummington for repairs
2003

Snow

$19K to the Town of Cummington for repairs
2001

Snow

$2K to the Town of Cummington for repairs
Hampshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Cummington

Cummington and the towns around it

Plainfield: Moderate, mostly inland floodingWorthington: Moderate, mostly inland floodingGoshen: Moderate, mostly inland floodingAshfield: Moderate, mostly inland floodingPeru: Low, mostly inland floodingWindsor: Low, mostly inland floodingHawley: High, mostly inland floodingSavoy: Low, mostly inland floodingMiddlefield: Moderate, mostly inland floodingChesterfield: Moderate, mostly inland floodingChester: High, mostly inland floodingHuntington: Very high, mostly inland floodingConway: Moderate, mostly inland floodingWilliamsburg: Moderate, mostly inland floodingHinsdale: Low, mostly inland floodingWashington: Moderate, mostly inland floodingCheshire: High, mostly inland floodingDalton: High, mostly inland floodingCummington: Moderate, mostly inland flooding CummingtonPlainfieldWorthingtonGoshenAshfieldPeruWindsor
Very lowLowModerateHighVery high
Goshenmostly inland floodingModerate
Cummingtonmostly inland floodingModerate
Plainfieldmostly inland floodingModerate
Worthingtonmostly inland floodingModerate
Ashfieldmostly inland floodingModerate
Perumostly inland floodingLow
Windsormostly inland floodingLow
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. Cummington 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 Cummington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cummington. 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/15 · 2025-01-01
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