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Natural hazards · Hull

Hull, MA natural hazards

Most of the natural-hazard damage FEMA expects in Hull comes from coastal flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,980 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Hull?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hull to be higher than in 87% of U.S. communities, mostly from coastal flooding and inland flooding.

Coastal flooding71%Inland flooding21%Everything else8%
By hazard

What Hull faces

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

Coastal flooding

71% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

21% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Hull flood?

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

1,980paid claims since 1978
$17.9Mpaid to owners
259homes flooded more than once
19782026

Biggest named events

  • The “Halloween” storm: 480 claims, $4.9M
  • December Storm - Nor'easter: 231 claims, $1.2M
  • Not a named storm: 228 claims, $447K

Homes that flooded again and again

Each house = 5 homes. ■ FEMA “severe repetitive loss” (34) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Hull is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Plymouth County.

What’s been done with FEMA grants

5homes raised above flood level
2buildings floodproofed
Disasters that hit Hull

10 federal disasters brought FEMA money here

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

Brought FEMA money into HullDeclared for Plymouth County only
2022

Severe Winter Storm and Snowstorm

$77K to the Town of Hull for repairs
2018

Severe Winter Storm and Flooding

$1.6M to the Town of Hull for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$235K to the Town of Hull for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$125K to the Town of Hull for repairs
2012

Hurricane Sandy

$71K to the Town of Hull for repairs
2011

Tropical Storm Irene

$121K to the Town of Hull for repairs
2010

Severe Storms and Flooding

62 households applied for aid $50K aid approved
2007

Severe Storms and Inland and Coastal Flooding

$82K to the Town of Hull for repairs
2005

Record And/Or Near Record Snow

$71K to the Town of Hull for repairs
2003

Snow

$62K to the Town of Hull for repairs
Plymouth County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Hull

Hull and the towns around it

Hingham: Low, mostly inland floodingCohasset: Low, mostly inland floodingQuincy: Moderate, mostly inland floodingBoston: Very low, mostly inland floodingWeymouth Town: Low, mostly inland floodingNorwell: Very low, mostly inland floodingScituate: Low, mostly inland floodingRandolph Town: Low, mostly inland floodingBraintree Town: High, mostly inland floodingMilton: Low, mostly inland floodingBrookline: Very low, mostly inland floodingCambridge: Low, mostly inland floodingWinthrop Town: Low, mostly inland floodingDedham: Very low, mostly inland floodingRevere: Low, mostly inland floodingNewton: Low, mostly inland floodingChelsea: Low, mostly inland floodingWatertown: Low, mostly inland floodingEverett: Low, mostly inland floodingHull: Very high, mostly coastal flooding HullHinghamCohassetQuincyBostonWeymouth Town
Very lowLowModerateHighVery high
Hullmostly coastal floodingVery high
Quincymostly inland floodingModerate
Cohassetmostly inland floodingLow
Weymouth Townmostly inland floodingLow
Hinghammostly inland floodingLow
Bostonmostly 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. Hull covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Hull’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hull. 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 Hull total about $6.5M 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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