Natural hazards · Hopkinton

Hopkinton, RI natural hazards

Most of the natural-hazard damage FEMA expects in Hopkinton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1982. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hopkinton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hopkinton to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding80%Hurricanes9%Everything else11%

By hazard

What Hopkinton faces

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

Inland flooding

80% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Hurricanes

9% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 6 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 Hopkinton flood?

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

12paid claims since 1982

$152Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

March 2010 Nor'easter: 9 claims, $134K
Not a named storm: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hopkinton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Washington County.

Disasters that hit Hopkinton

9 federal disasters brought FEMA money here

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

Brought FEMA money into HopkintonDeclared for Washington County only

2024

Severe Storms and Flooding

4 households applied for aid $15K aid approved $17K to the Town of Hopkinton for repairs

2022

Severe Winter Storm and Snowstorm

$43K to the Town of Hopkinton for repairs

2015

Severe Winter Storm and Snowstorm

$32K to the Town of Hopkinton for repairs

2013

Severe Winter Storm and Snowstorm

$43K to the Town of Hopkinton for repairs

2012

Hurricane Sandy

$23K to the Town of Hopkinton for repairs

2011

Tropical Storm Irene

$28K to the Town of Hopkinton for repairs

2010

Severe Storms and Flooding

25 households applied for aid $35K aid approved $363K to the Town of Hopkinton for repairs

2005

Record Snow

$19K to the Town of Hopkinton for repairs

2003

Snow

$7K to the Town of Hopkinton for repairs

Washington County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Hopkinton

Hopkinton and the towns around it

Very lowLowModerateHighVery high

North Stoningtonmostly inland floodingModerate

Hopkintonmostly inland floodingModerate

Charlestownmostly inland floodingLow

Richmondmostly inland floodingLow

Westerlymostly inland floodingLow

Exetermostly 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. Hopkinton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hopkinton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hopkinton. 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 Hopkinton total about $2.0M 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.