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Natural hazards · Granby

Granby, MA natural hazards

Most of the natural-hazard damage FEMA expects in Granby comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015. 7 federal disasters brought FEMA money into town.

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

How exposed is Granby?

22
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granby to be higher than in 22% of U.S. communities, mostly from inland flooding.

Inland flooding60%Hurricanes13%Cold waves6%Everything else21%
By hazard

What Granby faces

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

Inland flooding

60% of expected damage
Below average · higher than 36% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

13% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 years in the area

Cold waves

6% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Granby flood?

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

1paid claims since 2015
$14Kpaid to owners
0homes flooded more than once
20152026
of all homes
are insured
No community discount. Granby 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 Granby

7 federal disasters brought FEMA money here

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

Brought FEMA money into GranbyDeclared for Hampshire County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$24K to the Town of Granby for repairs
2011

Severe Storm and Snowstorm

$230K to the Town of Granby for repairs
2011

Severe Winter Storm and Snowstorm

$19K to the Town of Granby for repairs
2005

Severe Storms and Flooding

$16K to the Town of Granby for repairs
2005

Record And/Or Near Record Snow

$19K to the Town of Granby for repairs
2003

Snow

$24K to the Town of Granby for repairs
2001

Snow

$11K to the Town of Granby for repairs
Hampshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Granby

Granby and the towns around it

South Hadley: Low, mostly inland floodingAmherst Town: Low, mostly inland floodingLudlow: Moderate, mostly inland floodingBelchertown: Low, mostly inland floodingHolyoke: Low, mostly inland floodingHadley: Low, mostly inland floodingChicopee: Low, mostly inland floodingPelham: Low, mostly inland floodingLeverett: Low, mostly inland floodingShutesbury: Low, mostly inland floodingWilbraham: Low, mostly inland floodingSpringfield: Low, mostly inland floodingNew Salem: Low, mostly inland floodingWare: Moderate, mostly inland floodingPalmer Town: Moderate, mostly inland floodingGranby: Low, mostly inland flooding GranbySouth HadleyAmherst TownLudlowBelchertown
Very lowLowModerateHighVery high
Ludlowmostly inland floodingModerate
South Hadleymostly inland floodingLow
Belchertownmostly inland floodingLow
Granbymostly inland floodingLow
Amherst Townmostly 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. Granby covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Granby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Granby. 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 Granby total about $1.0M 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
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