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Natural hazards · Greenfield

Greenfield, MA natural hazards

Most of the natural-hazard damage FEMA expects in Greenfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 41 claims here since 1984. 7 federal disasters brought FEMA money into town.

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

How exposed is Greenfield?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Greenfield to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding69%Cold waves8%Hurricanes7%Everything else17%
By hazard

What Greenfield faces

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

Inland flooding

69% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 2 times a year in the area

Cold waves

8% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Greenfield flood?

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

41paid claims since 1984
$3.1Mpaid to owners
1homes flooded more than once
19842026

Biggest named events

  • Hurricane Irene: 7 claims, $799K

Homes that flooded again and again

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

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

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Greenfield

7 federal disasters brought FEMA money here

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

Brought FEMA money into GreenfieldDeclared for Franklin County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$49K to the City of Greenfield for repairs
2011

Severe Storm and Snowstorm

$94K to the City of Greenfield for repairs
2011

Tropical Storm Irene

104 households applied for aid $215K aid approved $3.4M to the City of Greenfield for repairs
2005

Severe Storms and Flooding

116 households applied for aid $256K aid approved $413K to the City of Greenfield for repairs
2005

Record And/Or Near Record Snow

$21K to the City of Greenfield for repairs
2003

Snow

$39K to the City of Greenfield for repairs
2001

Snow

$15K to the City of Greenfield for repairs
Franklin County has had 18 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Greenfield

Greenfield and the towns around it

Gill: Moderate, mostly inland floodingDeerfield: Low, mostly inland floodingMontague: Moderate, mostly inland floodingBernardston: Moderate, mostly inland floodingLeyden: Moderate, mostly inland floodingShelburne: High, mostly inland floodingNorthfield: Low, mostly inland floodingErving: Moderate, mostly inland floodingConway: Moderate, mostly inland floodingSunderland: Moderate, mostly inland floodingWhately: Moderate, mostly inland floodingWendell: Moderate, mostly inland floodingColrain: High, mostly inland floodingGuilford: Moderate, mostly inland floodingBuckland: High, mostly inland floodingCharlemont: High, mostly inland floodingGreenfield: Moderate, mostly inland flooding GreenfieldGillDeerfieldMontagueBernardstonLeydenShelburne
Very lowLowModerateHighVery high
Shelburnemostly inland floodingHigh
Gillmostly inland floodingModerate
Bernardstonmostly inland floodingModerate
Leydenmostly inland floodingModerate
Greenfieldmostly inland floodingModerate
Montaguemostly inland floodingModerate
Deerfieldmostly 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. Greenfield covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Greenfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Greenfield. 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 Greenfield total about $5.2M 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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