Natural hazards · Hadley

Hadley, MA natural hazards

Most of the natural-hazard damage FEMA expects in Hadley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 1994. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hadley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hadley to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding61%Hurricanes12%Drought11%Everything else17%

By hazard

What Hadley faces

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

Inland flooding

61% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 11 years in the area

Drought

11% of expected damage

Recorded about 6 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Hadley flood?

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

15paid claims since 1994

$125Kpaid to owners

1homes flooded more than once

19942026

Biggest named events

Hurricane Irene: 8 claims, $83K
April 2007 Nor'easter: 1 claim, $5K
Hurricane Ida: 1 claim, $13K

Homes that flooded again and again

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

of all homes
are insured

No community discount. Hadley 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 Hadley

9 federal disasters brought FEMA money here

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

Brought FEMA money into HadleyDeclared for Hampshire County only

2013

Severe Winter Storm, Snowstorm, and Flooding

$22K to the Town of Hadley for repairs

2011

Severe Storm and Snowstorm

$52K to the Town of Hadley for repairs

2011

Tropical Storm Irene

$15K to the Town of Hadley for repairs

2011

Severe Winter Storm and Snowstorm

$17K to the Town of Hadley for repairs

2007

Severe Storms and Inland and Coastal Flooding

$2K to the Town of Hadley for repairs

2005

Severe Storms and Flooding

3 households applied for aid $2K aid approved $21K to the Town of Hadley for repairs

2005

Record And/Or Near Record Snow

$27K to the Town of Hadley for repairs

2003

Snow

$29K to the Town of Hadley for repairs

2001

Snow

$11K to the Town of Hadley for repairs

Hampshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Hadley

Hadley and the towns around it

Very lowLowModerateHighVery high

Hatfieldmostly inland floodingModerate

Easthamptonmostly inland floodingModerate

Hadleymostly inland floodingLow

Northamptonmostly inland floodingLow

South Hadleymostly 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. Hadley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hadley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hadley. 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 Hadley total about $2.1M 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.