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Natural hazards · Westfield

Westfield, MA natural hazards

Most of the natural-hazard damage FEMA expects in Westfield comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 35 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 Westfield?

81
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westfield to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding84%Hurricanes6%Everything else10%
By hazard

What Westfield faces

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

Inland flooding

84% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 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 Westfield flood?

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

35paid claims since 1979
$1.2Mpaid to owners
2homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 12 claims, $933K
  • Not a named storm: 7 claims, $5K
  • Hurricane Ida: 1 claim, $25K

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. Westfield 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 Westfield

9 federal disasters brought FEMA money here

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

Brought FEMA money into WestfieldDeclared for Hampden County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$170K to the City of Westfield for repairs
2011

Severe Storm and Snowstorm

$146K to the City of Westfield for repairs
2011

Tropical Storm Irene

$665K to the City of Westfield for repairs
2011

Severe Storms and Tornadoes

93 households applied for aid $3K aid approved $353K to the City of Westfield for repairs
2011

Severe Winter Storm and Snowstorm

$109K to the City of Westfield for repairs
2007

Severe Storms and Inland and Coastal Flooding

$339K to the City of Westfield for repairs
2005

Severe Storms and Flooding

4 households applied for aid $4K aid approved $7K to the City of Westfield for repairs
2005

Record And/Or Near Record Snow

$122K to the City of Westfield for repairs
2003

Snow

$249K to the City of Westfield for repairs
Hampden County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Westfield

Westfield and the towns around it

Russell: High, mostly inland floodingWest Springfield Town: Low, mostly inland floodingAgawam Town: Moderate, mostly inland floodingMontgomery: High, mostly inland floodingGranville: High, mostly inland floodingSouthwick: Moderate, mostly inland floodingSouthampton: Low, mostly inland floodingHolyoke: Low, mostly inland floodingBlandford: High, mostly inland floodingHuntington: Very high, mostly inland floodingChicopee: Low, mostly inland floodingSpringfield: Low, mostly inland floodingLongmeadow: Moderate, mostly inland floodingSuffield: High, mostly inland floodingHartland: Low, mostly inland floodingTolland: High, mostly inland floodingGranby: Moderate, mostly inland floodingEasthampton: Moderate, mostly inland floodingWesthampton: Moderate, mostly inland floodingSouth Hadley: Low, mostly inland floodingWestfield: Very high, mostly inland flooding WestfieldRussellWest Springfield TownAgawam TownMontgomeryGranvilleSouthwickSouthamptonHolyoke
Very lowLowModerateHighVery high
Westfieldmostly inland floodingVery high
Russellmostly inland floodingHigh
Montgomerymostly inland floodingHigh
Granvillemostly inland floodingHigh
Agawam Townmostly inland floodingModerate
Southwickmostly inland floodingModerate
West Springfield Townmostly inland floodingLow
Holyokemostly inland floodingLow
Southamptonmostly inland floodingLow
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. Westfield covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Westfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Westfield. 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 Westfield total about $16.7M 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/18 · 2025-01-01
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