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Natural hazards · Wilbraham

Wilbraham, MA natural hazards

Most of the natural-hazard damage FEMA expects in Wilbraham comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Wilbraham?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wilbraham to be higher than in 38% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding66%Hurricanes15%Everything else19%
By hazard

What Wilbraham faces

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

Inland flooding

66% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

15% 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 Wilbraham flood?

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

5paid claims since 1978
$41Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Wilbraham 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 Wilbraham

7 federal disasters brought FEMA money here

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

Brought FEMA money into WilbrahamDeclared for Hampden County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$48K to the Town of Wilbraham for repairs
2011

Severe Storm and Snowstorm

$2.9M to the Town of Wilbraham for repairs
2011

Severe Storms and Tornadoes

217 households applied for aid $8K aid approved $2.3M to the Town of Wilbraham for repairs
2011

Severe Winter Storm and Snowstorm

$61K to the Town of Wilbraham for repairs
2005

Severe Storms and Flooding

20 households applied for aid $32K aid approved $151K to the Town of Wilbraham for repairs
2005

Record And/Or Near Record Snow

$62K to the Town of Wilbraham for repairs
2003

Snow

$43K to the Town of Wilbraham for repairs
Hampden County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Wilbraham

Wilbraham and the towns around it

Ludlow: Moderate, mostly inland floodingHampden: Moderate, mostly inland floodingSpringfield: Low, mostly inland floodingChicopee: Low, mostly inland floodingGranby: Low, mostly inland floodingBelchertown: Low, mostly inland floodingMonson: Moderate, mostly inland floodingWilbraham: Low, mostly inland flooding WilbrahamLudlowHampden
Very lowLowModerateHighVery high
Hampdenmostly inland floodingModerate
Ludlowmostly inland floodingModerate
Wilbrahammostly 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. Wilbraham covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Wilbraham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wilbraham. 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 Wilbraham total about $3.3M 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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