Sagamore is calmer than 78% of U.S. communities
Most of the natural-hazard damage FEMA expects in Sagamore comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2005.
What stands out about Sagamore’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Sagamore?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 22% of U.S. communities, mostly from inland flooding and hurricanes.
Calmer than 225 of the 351 Massachusetts towns we cover.
Sagamore covers 1 census tract, combined by population.
What Sagamore faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Hurricanes
Does Sagamore flood? Rarely: 4 flood claims since 2005
Every paid claim on a federal flood insurance policy in Sagamore, from FEMA’s records.
Sagamore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Barnstable County.Federal disasters declared here
None of the disasters declared for Barnstable County shows FEMA aid or repair money reaching Sagamore itself in FEMA’s records.
Barnstable County has had 19 natural disasters declared since 1953, most often hurricanes and severe storms.
Get ready for what Sagamore actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Sagamore and its neighbors
Sagamore ranks 2nd calmest of 4 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Barnstable County’s 19 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Sagamore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sagamore.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Sagamore, expected losses total about $878K a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Sagamore.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.