Hampden County, Massachusetts: hazard risk
FEMA rates Hampden County's overall risk Relatively Moderate (score 92.8 of 100, higher than 92% of rated U.S. counties); 4 of its 15 hazards are rated Relatively High or Very High, led by riverine flooding, ice storm, hurricane. Its storm record holds 1,367 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Riverine Flooding | Relatively High | 95.9 | $75M |
| Ice Storm | Relatively High | 94.6 | $1.3M |
| Hurricane | Relatively High | 93.2 | $12M |
| Strong Wind | Relatively High | 91.9 | $1.9M |
| Earthquake | Relatively Moderate | 90.6 | $4.8M |
| Heat Wave | Relatively Moderate | 89.7 | $2.5M |
| Cold Wave | Relatively Moderate | 84.9 | $4.2M |
| Winter Weather | Relatively Moderate | 84.3 | $220K |
| Hail | Relatively Moderate | 83.3 | $890K |
| Tornado | Relatively Moderate | 82.7 | $3.8M |
| Lightning | Relatively Moderate | 71.7 | $443K |
| Landslide | Relatively Low | 67.7 | $4K |
| Drought | Relatively Low | 58.7 | $218K |
| Wildfire | Very Low | 39.3 | $21K |
| Avalanche | Very Low | 38.7 | $199 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 496 | 0 | $7.3M | 1st of 12 | 440th of 3,080 |
| Winter storms | 244 | 0 | $20M | 6th of 12 | 497th of 3,077 |
| Hail | 241 | 0 | $3.8M | 1st of 12 | 495th of 3,080 |
| High wind and dust storms | 157 | 2 | $1.5M | 9th of 12 | 164th of 3,080 |
| Floods | 129 | 0 | $7.5M | 8th of 12 | 468th of 3,080 |
| Lightning | 32 | 0 | $746K | 8th of 12 | 105th of 3,080 |
| Tornadoes | 19 | 3 | $304M | 4th of 12 | 1824th of 3,080 |
| Drought | 18 | 0 | – | 8th of 12 | 1826th of 3,063 |
| Heavy rain | 16 | 0 | – | 8th of 12 | 436th of 3,080 |
| Extreme cold | 4 | 0 | – | 6th of 12 | 2303rd of 3,076 |
| Heat | 4 | 0 | – | 9th of 12 | 1893rd of 3,076 |
| Hurricanes and tropical storms | 4 | 0 | $685K | 8th of 12 | 715th of 1,849 |
| Wildfires | 2 | 0 | – | 2nd of 12 | 676th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hampden County record: every hazard by year and month, the deadliest events and FEMA's declarations.