Photo: The Bushranger · CC BY-SA 4.0Storms, floods and disasters in Hampton
Hampton isn’t graded for hazard risk: Hampton has 499 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2004.
What Hampton faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Hampton flood? Rarely: 2 flood claims since 2004
Every paid claim on a federal flood insurance policy in Hampton, from FEMA’s records.
- Hurricane Irma1 claim · $21K
- Hurricane Jeanne1 claim · $6K
Hampton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bradford County.7 federal disasters brought FEMA money to Hampton
Disasters that paid out in Hampton itself (aid to households or repair grants to the City of Hampton), newest first, with that year’s flood claims.
- 2024Hurricane Helene54 households applied for aid$144K aid approved
- 2017Hurricane Irma248 households applied for aid$132K aid approved$13K to the City of Hampton for repairs1 flood claim paid for it, $21K
- 2016Hurricane Matthew$4K to the City of Hampton for repairs
- 2012Tropical Storm Debby25 households applied for aid$32K aid approved
- 2008Tropical Storm Fay12 households applied for aid$4K aid approved
- 2004Hurricane Jeanne90 households applied for aid$145K aid approved$6K to the City of Hampton for repairs1 flood claim paid for it, $6K
Show all 7
- 2004Hurricane Frances124 households applied for aid$164K aid approved$11K to the City of Hampton for repairs
Bradford County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Bradford County, 1999–2007.
Old photos of Hampton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hampton archive →Get ready for what Hampton faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Hampton
Does Hampton flood?
Flood insurance has paid 2 claims in Hampton since 2004, $27K in all. The most claims came from Hurricane Irma (1).
Is Hampton 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 Bradford County, 27% of homes in mapped flood zones carry federal flood insurance, and 4.0% of all homes do.
How much is flood insurance in Hampton?
FEMA’s Community Rating System list shows no discount for Hampton’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 Hampton?
By FEMA money that reached Hampton, Hurricane Frances (2004): 124 households applied for aid, $164K approved, and $11K to the City of Hampton for repairs. By flood claims, Hurricane Irma: 1 paid, $21K.
Storm stories
Memories, warnings and help from neighbors in Hampton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hampton’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.