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Natural hazards · Southwick

Southwick, MA natural hazards

Most of the natural-hazard damage FEMA expects in Southwick comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Southwick?

51
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Southwick to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding70%Hurricanes14%Everything else16%
By hazard

What Southwick faces

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

Inland flooding

70% of expected damage
Above average · higher than 68% 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 windLightningDrought

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 Southwick flood?

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

9paid claims since 1979
$31Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Not a named storm: 3 claims, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Southwick 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 Southwick

9 federal disasters brought FEMA money here

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

Brought FEMA money into SouthwickDeclared for Hampden County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$49K to the Town of Southwick for repairs
2011

Severe Storm and Snowstorm

$1.4M to the Town of Southwick for repairs
2011

Tropical Storm Irene

$13K to the Town of Southwick for repairs
2011

Severe Storms and Tornadoes

1 household applied for aid
2011

Severe Winter Storm and Snowstorm

$24K to the Town of Southwick for repairs
2007

Severe Storms and Inland and Coastal Flooding

$22K to the Town of Southwick for repairs
2005

Severe Storms and Flooding

$17K to the Town of Southwick for repairs
2005

Record And/Or Near Record Snow

$58K to the Town of Southwick for repairs
2003

Snow

$56K to the Town of Southwick for repairs
Hampden County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Southwick

Southwick and the towns around it

Suffield: High, mostly inland floodingAgawam Town: Moderate, mostly inland floodingGranville: High, mostly inland floodingWestfield: Very high, mostly inland floodingGranby: Moderate, mostly inland floodingEast Granby: Low, mostly inland floodingEnfield: High, mostly inland floodingWindsor Locks: Low, mostly inland floodingLongmeadow: Moderate, mostly inland floodingWest Springfield Town: Low, mostly inland floodingSpringfield: Low, mostly inland floodingHartland: Low, mostly inland floodingTolland: High, mostly inland floodingRussell: High, mostly inland floodingBlandford: High, mostly inland floodingMontgomery: High, mostly inland floodingSouthampton: Low, mostly inland floodingHolyoke: Low, mostly inland floodingBarkhamsted: High, mostly inland floodingSimsbury: High, mostly inland floodingCanton: High, mostly inland floodingSouthwick: Moderate, mostly inland flooding SouthwickSuffieldAgawam TownGranvilleWestfieldGranby
Very lowLowModerateHighVery high
Westfieldmostly inland floodingVery high
Suffieldmostly inland floodingHigh
Granvillemostly inland floodingHigh
Agawam Townmostly inland floodingModerate
Granbymostly inland floodingModerate
Southwickmostly inland floodingModerate
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. Southwick covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Southwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Southwick. 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 Southwick total about $3.0M 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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