Photo: Magicpiano · CC BY-SA 3.0Storms, floods and disasters in Fenwick
Fenwick isn’t graded for hazard risk: Fenwick has 49 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 2010.
What Fenwick faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Coastal flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Fenwick flood? Rarely: 6 flood claims since 2010
Every paid claim on a federal flood insurance policy in Fenwick, from FEMA’s records.
- Hurricane Sandy4 claims · $134K
- The March 2010 nor’easter1 claim · $15K
- Hurricane Irene1 claim · $47K
Fenwick isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: the county.Get ready for what Fenwick faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Fenwick
Does Fenwick flood?
Flood insurance has paid 6 claims in Fenwick since 2010, $196K in all. 2 properties have flooded more than once. The most claims came from Hurricane Sandy (4).
Is Fenwick in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In the county, 42% of homes in mapped flood zones carry federal flood insurance, and 4.1% of all homes do.
How much is flood insurance in Fenwick?
FEMA’s Community Rating System list shows no discount for Fenwick’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Fenwick?
By flood claims, Hurricane Sandy: 4 paid, $134K.
Storm stories
Memories, warnings and help from neighbors in Fenwick.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fenwick’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.