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Natural hazards · Templeton

Templeton, MA natural hazards

Most of the natural-hazard damage FEMA expects in Templeton comes from inland flooding, and overall the risk is low for a U.S. community. 11 federal disasters brought FEMA money into town.

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

How exposed is Templeton?

21
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Templeton to be higher than in 21% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding57%Hurricanes18%Cold waves7%Everything else17%
By hazard

What Templeton faces

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

Inland flooding

57% of expected damage
Below average · higher than 28% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

18% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 9 years in the area

Cold waves

7% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 Templeton flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Templeton 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 Templeton

11 federal disasters brought FEMA money here

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

Brought FEMA money into TempletonDeclared for Worcester County only
2018

Severe Winter Storm and Snowstorm

$29K to the Town of Templeton for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$31K to the Town of Templeton for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$27K to the Town of Templeton for repairs
2011

Hurricane Irene

$7K to the Town of Templeton for repairs
2010

Severe Storms and Flooding

4 households applied for aid $2K aid approved
2008

Severe Winter Storm and Flooding

$715K to the Town of Templeton for repairs
2005

Severe Storms and Flooding

1 household applied for aid $3K aid approved
2005

Record And/Or Near Record Snow

$21K to the Town of Templeton for repairs
2004

Flooding

1 household applied for aid
2003

Snow

$34K to the Town of Templeton for repairs
2001

Snow

$18K to the Town of Templeton for repairs
Worcester County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Templeton

Templeton and the towns around it

Phillipston: Low, mostly inland floodingGardner: Very low, mostly inland floodingWinchendon: Moderate, mostly inland floodingRoyalston: Moderate, mostly inland floodingAthol: High, mostly inland floodingPetersham: Very low, mostly inland floodingAshburnham: Low, mostly inland floodingWestminster: Very low, mostly inland floodingHubbardston: Very low, mostly inland floodingRindge: Low, mostly inland floodingOrange: High, mostly inland floodingTempleton: Low, mostly inland flooding TempletonPhillipstonGardnerWinchendonRoyalston
Very lowLowModerateHighVery high
Royalstonmostly inland floodingModerate
Winchendonmostly inland floodingModerate
Phillipstonmostly inland floodingLow
Templetonmostly inland floodingLow
Gardnermostly 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. Templeton covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Templeton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Templeton. 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 Templeton total about $1.5M 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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