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Natural hazards · Rutland

Rutland, MA natural hazards

Most of the natural-hazard damage FEMA expects in Rutland comes from inland flooding, and overall the risk is very low for a U.S. community. 10 federal disasters brought FEMA money into town.

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

How exposed is Rutland?

12
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rutland to be higher than in 12% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding43%Hurricanes22%Cold waves9%Drought8%Everything else19%
By hazard

What Rutland faces

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

Inland flooding

43% of expected damage
Well below average · higher than 11% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

22% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 8 years in the area

Cold waves

9% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 4 times a year in the area

Drought

8% of expected damage
Recorded about 6 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Rutland flood?

FEMA's records show no paid flood insurance claims in Rutland.

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

10 federal disasters brought FEMA money here

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

Brought FEMA money into RutlandDeclared for Worcester County only
2015

Severe Winter Storm, Snowstorm, and Flooding

$51K to the Town of Rutland for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$32K to the Town of Rutland for repairs
2011

Severe Storm and Snowstorm

$16K to the Town of Rutland for repairs
2011

Hurricane Irene

$4K to the Town of Rutland for repairs
2010

Severe Storms and Flooding

17 households applied for aid $12K aid approved
2008

Severe Winter Storm and Flooding

$299K to the Town of Rutland for repairs
2005

Severe Storms and Flooding

1 household applied for aid $5K aid approved
2005

Record And/Or Near Record Snow

$19K to the Town of Rutland for repairs
2003

Snow

$36K to the Town of Rutland for repairs
2001

Snow

$16K to the Town of Rutland for repairs
Worcester County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Rutland

Rutland and the towns around it

Paxton: Very low, mostly inland floodingHolden: Very low, mostly inland floodingOakham: Low, mostly inland floodingPrinceton: Very low, mostly inland floodingBarre: Low, mostly inland floodingSpencer: Low, mostly inland floodingLeicester: Very low, mostly inland floodingWest Boylston: Very low, mostly inland floodingSterling: Very low, mostly inland floodingWestminster: Very low, mostly inland floodingHubbardston: Very low, mostly inland floodingLeominster: Low, mostly inland floodingRutland: Very low, mostly inland flooding RutlandPaxtonHoldenOakhamPrincetonBarre
Very lowLowModerateHighVery high
Barremostly inland floodingLow
Oakhammostly inland floodingLow
Princetonmostly inland floodingVery low
Holdenmostly inland floodingVery low
Rutlandmostly inland floodingVery low
Paxtonmostly 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. Rutland covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Rutland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rutland. 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 Rutland total about $1.4M 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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