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Natural hazards · North Andover

North Andover, MA natural hazards

Most of the natural-hazard damage FEMA expects in North Andover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 46 claims here since 1987. 14 federal disasters brought FEMA money into town.

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

How exposed is North Andover?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Andover to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding71%Hurricanes7%Earthquakes7%Tornadoes6%Everything else9%
By hazard

What North Andover 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
Below average · higher than 49% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

7% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 7 years in the area

Earthquakes

7% of expected damage
Above average · higher than 67% of U.S. places

Tornadoes

6% of expected damage
Below average · higher than 45% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 North Andover flood?

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

46paid claims since 1987
$1.4Mpaid to owners
5homes flooded more than once
19872026

Biggest named events

  • April 2007 Nor'easter: 6 claims, $190K
  • March 2010 Nor'easter: 2 claims, $12K

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. North Andover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Essex County.
Disasters that hit North Andover

14 federal disasters brought FEMA money here

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

Brought FEMA money into North AndoverDeclared for Essex County only
2018

Severe Winter Storm and Snowstorm

$217K to the Town of North Andover for repairs
2018

Severe Winter Storm and Flooding

$89K to the Town of North Andover for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$385K to the Town of North Andover for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$265K to the Town of North Andover for repairs
2011

Hurricane Irene

$19K to the Town of North Andover for repairs
2011

Severe Winter Storm and Snowstorm

$172K to the Town of North Andover for repairs
2010

Severe Storms and Flooding

147 households applied for aid $211K aid approved $89K to the Town of North Andover for repairs
2008

Severe Winter Storm and Flooding

$170K to the Town of North Andover for repairs
2007

Severe Storms and Inland and Coastal Flooding

$60K to the Town of North Andover for repairs
2006

Severe Storms and Flooding

218 households applied for aid $374K aid approved $171K to the Town of North Andover for repairs
2005

Record And/Or Near Record Snow

$172K to the Town of North Andover for repairs
2004

Flooding

32 households applied for aid $51K aid approved
2003

Snow

$291K to the Town of North Andover for repairs
2001

Snow

$123K to the Town of North Andover for repairs
Essex County has had 34 natural disasters declared since 1953, most often severe storms and floods.
Around North Andover

North Andover and the towns around it

Lawrence: Very high, mostly inland floodingBoxford: Very low, mostly inland floodingMethuen: Low, mostly inland floodingAndover: Low, mostly inland floodingMiddleton: Low, mostly inland floodingNorth Reading: Low, mostly inland floodingHaverhill: Moderate, mostly inland floodingTopsfield: Very low, mostly inland floodingGeorgetown: Very low, mostly inland floodingGroveland: Low, mostly inland floodingRowley: Moderate, mostly inland floodingIpswich: Moderate, mostly inland floodingSalem: Moderate, mostly inland floodingDracut: Moderate, mostly inland floodingPelham: High, mostly inland floodingTewksbury: Very low, mostly inland floodingWilmington: Low, mostly inland floodingDanvers: Very low, mostly inland floodingPeabody: Low, mostly inland floodingLynnfield: Very low, mostly inland floodingReading: Very low, mostly inland floodingWest Newbury: Moderate, mostly inland floodingMerrimac: Low, mostly inland floodingAtkinson: Low, mostly inland floodingPlaistow: Low, mostly inland floodingNorth Andover: Low, mostly inland flooding North AndoverLawrenceBoxfordMethuenAndoverMiddletonNorth ReadingHaverhill
Very lowLowModerateHighVery high
Lawrencemostly inland floodingVery high
Haverhillmostly inland floodingModerate
Andovermostly inland floodingLow
Methuenmostly inland floodingLow
North Readingmostly inland floodingLow
North Andovermostly inland floodingLow
Middletonmostly inland floodingLow
Boxfordmostly 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. North Andover covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to North Andover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North Andover. 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 North Andover total about $8.2M 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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