Storms, floods and disasters in Freetown
Freetown isn’t graded for hazard risk: Freetown has 277 residents; we grade towns of 1,000 or more. Flood insurance has paid 12 claims here since 2008.
What Freetown 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
Tornadoes
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 Freetown flood? Sometimes: 12 flood claims since 2008
Every paid claim on a federal flood insurance policy in Freetown, from FEMA’s records.
- The Storm4 claims · $59K
- The Mid-spring storms1 claim · $26K
- The Central U.S. April Flooding1 claim · $32K
Freetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.1 federal disaster brought FEMA money to Freetown
Disasters that paid out in Freetown itself (aid to households or repair grants to Freetown), newest first, with that year’s flood claims.
- 2008Severe Storms, Flooding, and Tornadoes4 households applied for aid$22K aid approved4 flood claims paid that year
Jackson County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Freetown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Freetown archive →Get ready for what Freetown 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Freetown
Does Freetown flood?
Flood insurance has paid 12 claims in Freetown since 2008, $255K in all. The most claims came from Storm (4).
Is Freetown 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 Jackson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Freetown?
FEMA’s Community Rating System list shows no discount for Freetown’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 Freetown?
By FEMA money that reached Freetown, Severe Storms, Flooding, and Tornadoes (2008): 4 households applied for aid, $22K approved. By flood claims, Storm: 4 paid, $59K.
Storm stories
Memories, warnings and help from neighbors in Freetown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Freetown’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.