Photo: Brian Stansberry · CC BY 4.0Storms, floods and disasters in Upton
Upton isn’t graded for hazard risk: Upton has 606 residents; we grade towns of 1,000 or more.
What Upton 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
Hail
Earthquakes
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 Upton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Upton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Upton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hardin County.4 federal disasters brought FEMA money to Upton
Disasters that paid out in Upton itself (aid to households or repair grants to the City of Upton), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides11 households applied for aid$148K aid approved
- 2012Severe Storms, Tornadoes, Straight-line Winds and Flooding1 households applied for aid$4K aid approved
- 2008Severe Storms, Tornadoes, Straight-line Winds, and6 households applied for aid$8K aid approved
- 2004Severe Storms, Tornadoes, Flooding, and Mudslides1 households applied for aid$548 aid approved
Hardin County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Upton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Upton archive →Get ready for what Upton 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Upton
Is Upton 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 Hardin County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Upton?
FEMA’s Community Rating System list shows no discount for Upton’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 Upton?
By FEMA money that reached Upton, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides (2025): 11 households applied for aid, $148K approved.
Storm stories
Memories, warnings and help from neighbors in Upton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Upton’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.