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Natural hazards · Monson

Monson, MA natural hazards

Most of the natural-hazard damage FEMA expects in Monson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2005. 7 federal disasters brought FEMA money into town.

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

How exposed is Monson?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monson to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding71%Hurricanes14%Everything else15%
By hazard

What Monson faces

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

Inland flooding

71% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

14% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Monson flood?

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

4paid claims since 2005
$222Kpaid to owners
1homes flooded more than once
20052026

Homes that flooded again and again

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

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

7 federal disasters brought FEMA money here

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

Brought FEMA money into MonsonDeclared for Hampden County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$44K to the Town of Monson for repairs
2011

Severe Storm and Snowstorm

$1.9M to the Town of Monson for repairs
2011

Severe Storms and Tornadoes

397 households applied for aid $187K aid approved $3.7M to the Town of Monson for repairs
2011

Severe Winter Storm and Snowstorm

$50K to the Town of Monson for repairs
2005

Severe Storms and Flooding

31 households applied for aid $51K aid approved $180K to the Town of Monson for repairs
2005

Record And/Or Near Record Snow

$31K to the Town of Monson for repairs
2003

Snow

$59K to the Town of Monson for repairs
Hampden County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Monson

Monson and the towns around it

Palmer Town: Moderate, mostly inland floodingBrimfield: Low, mostly inland floodingWales: Moderate, mostly inland floodingHampden: Moderate, mostly inland floodingStafford: High, mostly inland floodingBelchertown: Low, mostly inland floodingWarren: Low, mostly inland floodingWare: Moderate, mostly inland floodingHolland: Moderate, mostly inland floodingSturbridge: Low, mostly inland floodingWilbraham: Low, mostly inland floodingWillington: Moderate, mostly inland floodingEllington: Moderate, mostly inland floodingSomers: Low, mostly inland floodingUnion: Low, mostly inland floodingMonson: Moderate, mostly inland flooding MonsonPalmer TownBrimfieldWalesHampdenStafford
Very lowLowModerateHighVery high
Staffordmostly inland floodingHigh
Hampdenmostly inland floodingModerate
Palmer Townmostly inland floodingModerate
Monsonmostly inland floodingModerate
Walesmostly inland floodingModerate
Brimfieldmostly 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. Monson covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Monson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monson. 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 Monson 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.

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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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