Natural hazards · Hopkinton

Hopkinton, MA natural hazards

Most of the natural-hazard damage FEMA expects in Hopkinton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hopkinton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hopkinton to be higher than in 3% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding60%Hurricanes16%Everything else24%

By hazard

What Hopkinton 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

Well below average · higher than 7% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Hopkinton flood?

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

1paid claims since 2024

$10Kpaid to owners

0homes flooded more than once

20242026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hopkinton 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 Hopkinton

13 federal disasters brought FEMA money here

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

Brought FEMA money into HopkintonDeclared for Middlesex County only

2018

Severe Winter Storm and Snowstorm

$91K to the Town of Hopkinton for repairs

2015

Severe Winter Storm, Snowstorm, and Flooding

$161K to the Town of Hopkinton for repairs

2013

Severe Winter Storm, Snowstorm, and Flooding

$100K to the Town of Hopkinton for repairs

2011

Severe Storm and Snowstorm

$112K to the Town of Hopkinton for repairs

2011

Hurricane Irene

$56K to the Town of Hopkinton for repairs

2011

Severe Winter Storm and Snowstorm

$83K to the Town of Hopkinton for repairs

2010

Severe Storms and Flooding

35 households applied for aid $36K aid approved $56K to the Town of Hopkinton for repairs

2008

Severe Winter Storm and Flooding

$45K to the Town of Hopkinton for repairs

2006

Severe Storms and Flooding

3 households applied for aid $4K aid approved

2005

Severe Storms and Flooding

8 households applied for aid $12K aid approved

2005

Record And/Or Near Record Snow

$91K to the Town of Hopkinton for repairs

2003

Snow

$147K to the Town of Hopkinton for repairs

2001

Snow

$72K to the Town of Hopkinton for repairs

Middlesex County has had 28 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Hopkinton

Hopkinton and the towns around it

Very lowLowModerateHighVery high

Uptonmostly inland floodingModerate

Milfordmostly inland floodingLow

Hollistonmostly inland floodingLow

Southboroughmostly inland floodingVery low

Ashlandmostly inland floodingVery low

Westboroughmostly inland floodingVery low

Hopkintonmostly 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. Hopkinton covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Hopkinton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hopkinton. 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 Hopkinton total about $3.1M 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.